davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$740.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-05-23
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. (AR)

For the past months I have been trying to correct and delete inaccurate information from my credit profile. I have reached out to the credit bureaus and creditors but it seems as if they could care less if my problem is solved. I read in the FCRA that anything that is listed on my credit report must be 100 % accurate and verifiable. From my understanding there is no way possible that the information reported can be verifiable if it is not 100 % accurate. There is no way, unless the credit bureaus/creditors are lying to us as consumers and the laws that are set to protect are allowing me to be misused, defamation of character etc which is not fair. I read that incomplete account numbers does not serve as accurate account numbers. How do I know that the account is actually mine when the accounts are completed, who is verifying accounts with incomplete numbers? How do I know that they are verifying the right account attached to my social? I could go on and on with inaccurate info and violations according to FCRA.. Are you going to help uphold the law for consumers like me or are you going to continue to allow me and others to be violated against?
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (FL)

I've contacted XXXXXXXX XXXX XXXX  & they told me I've never missed a payment, yet Equifax and XXXX refuse to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do Equifax and XXXX 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Denefits LLC (GA)

Subject : DENEFITS LLC Account Dispute for Account Number : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit file regarding Account Number XXXX. I have reviewed my credit reports from XXXX and XXXX and have identified several significant inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code ( USC ), and Section 604 in relation to the reporting of my medical information. 

Firstly, there is a discrepancy between the information reported by XXXX and XXXX. XXXX indicates that the account is an installment contract, while XXXX reports it as a medical bill. This inconsistency raises concerns about the accuracy and proper classification of the account. 

Furthermore, both XXXX and XXXX have discrepancies in the reported account open date. XXXX and XXXX state that the account was opened on XX/XX/XXXX. However, XXXX reports a balance of {$7200.00}, whereas XXXX reports a balance of {$7200.00}. These discrepancies raise doubts about the accuracy and consistency of the reported information. 

Additionally, there is a discrepancy in the terms reported by XXXX and XXXX. XXXX states that the term limit is 60 months, while XXXX reports a term limit of 0. This inconsistency further questions the accuracy of the reported information. 

Moreover, XXXX reports a past due balance of {$5200.00}, whereas XXXX states a past due balance of {$5100.00}. These discrepancies in the reported past due balances cast doubt on the accuracy and integrity of the reported information. 

Furthermore, there are inconsistencies in the last report dates provided by XXXX and XXXX. XXXX reports a last report date of XX/XX/XXXX, while XXXX states a last report date of XX/XX/XXXX. These differences raise concerns about the timeliness and accuracy of the reported information. 

In addition to the aforementioned inaccuracies, it is important to note that the reporting of medical information without my authorization is a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). I did not provide consent for my medical information to be shared, and the inclusion of medical information in my credit file is a breach of privacy. 

I am exercising my rights under the FCRA, XXXX XXXX XXXX, and Section XXXX, which require accurate and fair reporting of consumer information. I request a thorough investigation into these inaccuracies and violations, as well as the immediate removal of the disputed account from my credit reports.
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (FL)

I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO THIS COMPANY AND THEY ARE HARASSING ME CLAIMING THAT I HAVE A NEGATIVE ACCOUNT WITH THEM WHICH I DO NOT! REMOVE THESE COLLECTIONS FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY AND CEASE ALL COMMUNICATION VIA PHONE AND MAIL. THEY ARE IN VIOLATION OF MY HIPPA AND CIVIL RIGHTS!
Consumer complaint received 2024-02-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, Wells Fargo Subpoenad for bank records, on XX/XX/XXXX, we received only XXXX accounts records out of XXXX to include XXXX safety deposit boxes that were closed as of a customer visit summary on XX/XX/XXXX. We were then told that they could not release records of the XXXX XXXX XXXX as it had multiple owners that were not notified, we then submitted a letter ( attached ) with subpeona to indicate that there was only XXXX owner and he was deceased and all parties had been notified as in Trust/Will to determine how these boxes were closed, also to get the remaining XXXX accounts that were not released under subpoena with each account listed ( as evidently it is not enough for a subpoena under the account holders name and social security number? ). We then were told that they would release the records following the letter/subpoena resubmitted, with all account numbers and safety deposit box numbers, and customer visit summary of their closures by non-account holder - except they havent. It has been XXXX delay tactic after another from statements of multiple account owners, unable to find the records, we believe they were closed as of next of kin, we believe they were closed by court order, now records lost and this is XXXX months out from initial subpoena. I am uncertain to banks regulations under subpoena to produce within 14 days, as this is not the case, nor with XXXX box records to show that it was not multiple owners, and accessed by a non-account owner, but no records to show how accessed/closed - were they robbed and forgot to report it? They have written declarations of unable to find, lost, etc for XXXX safety deposit box, and XXXX accounts so far and no transparency on anything. To date the updates have been we are escalating your request to the paralegal ( for XXXX months ), we are talking to the branch (? ) arent those records already with legal in order to close safety deposit boxes by non-account holders? This company/bank is a nightmare to get any bank records from and I know is against regulations between not producing as lost to delaying from XXXX weeks to XXXX months, to stating multiple owners which resulted was not the case on XXXX of the boxes but they were unable to produce the second box nor how either of them were closed and with what documentation to support a non-account holder accessing and taking safety deposit boxes in their vault? Do they have any regulations or oversight?
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (OK)

2 of the 3 Credit Bureaus ' will not remove accounts over 7 years old. I've asked both agencies 7 times to remove over 7 year old derogatory information. 1 have even changed an " open date '' on account to keep it just under 7 years. Reporting that account negatively when the account is 9 YEARS old. My Debt of EDU LOANS are 8+ years old and still reported. My student debt is also in line to be forgiven. All 3 are doing that to me. It's affecting my ability to obtain work, housing, transportation and several other life sustaining essentials negatively. I've written letters. I've disputed. I've called and I've begged for the removal and they REFUSE to completely remove from my report. I've been punished long enough. I now have TONS of good positive accounts. PLZ PLZ HELP ME. ITS NOT FAIR FOR THEM TO VIOLATE THE LAW AND GET AWAY WITH IT. ITS AFFECTING OBTAINING NECESSARY WORK AND HOUSING. I AM XXXX AS WELL. THAT ALONE MAKES MY IMMEDIATE NEEDS NOT BE MADE. PLZ PLZ HELP! Thank you kindly for your time.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (SC)

I have a credit card from COMENITY BANK VICTORIA SECRET ( CB/VICSCRT ), and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COMENITY BANK VICTORIA SECRET ( CB/VICSCRT ) and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and COMENITY BANK VICTORIA SECRET ( CB/VICSCRT ) with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2021-11-18
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. (FL)

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to Transunion, XXXX and XXXX back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX-XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s )  in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Kentucky Housing Corporation (KY)

The mortgage company sent me a letter Dated XXXX XXXX, XXXX regarding a " late '' payment. I contacted them, and then subsequently emailed them a copy of the canceled check. On XXXX XXXX, XXXX they company assured me by email that they had removed the late fees, and had corrected my credit file. In XXXX, I was checking my account and noticed that they had not yet removed the late fees. I called them and asked them to please take care of that, which they did. 
My credit file is still showing a late payment with XXXX. I contacted them on XXXX XXXX, to ask then to fix the issue, and their manager simply told me to do a credit dispute. He also told me that credit updating could take XXXX90 days, however this issue has been much longer.
Consumer complaint received 2022-05-23
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: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I've contacted CARRINGTON MORTGAGE SERVICES & they told me I've never missed a payment, yet XXXX and XXXX refuse to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do XXXX and XXXX 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

CARNGTN MTG  XXXX
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I filed a chapter XXXX in XX/XX/XXXX ; which included XXXX. I have informed Equifax several times by disputing the total amount showing up on my credit score. I had XXXX over 1 ago. Now my score is XXXX because every month Equifax is reporting inaccurate information on my credit report as well to other lenders. I called Equifax XX/XX/XXXX and was total it's not there issue to handle call XXXX ; in which I did previously. Too no reveal. I Was told they would remove it from my credit report. But has not yet. This was months ago. Please stop providing inaccurate information on my credit report which has been because of it.
Consumer complaint received 2022-05-23
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: CBC Companies, Inc. (AL)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Consumer complaint received 2022-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Southern Auto Finance Co (FL)

I do prefer the communication in Spanish but if there is not a possibility I will find a translator. 

I did arrive to USA on XX/XX/XXXX with my XXXX XXXX XXXX son and because I needed a car to move around on XX/XX/XXXX I went to XXXX XXXX XXXX asking for prices and they took advantage of my good will making me signed documents under pressure and without giving me any more information of the financing, they made me buy a car and under fraud no only on the inflate price but also they use false information, by the suggestion and pressure and fraudulent sales tactics by the sales agent XXXX and the Manager, to apply for a financing of a used car XXXX XXXX XXXX, XXXX, Year XXXX with XXXX miles that cost me a down payment of {$5500.00} for what I only received a receipt of {$2500.00} dollars and any other document for the other {$2500.00} I paid with a check. 

The put on the report false information about my job and status in USA and made sign a car loan of {$19000.00} dollars, financing during 6 years with an interest of 16.99 %. using the XXXX lenders company. I will have to pay {$520.00} per month and I don't even have a job right now to pay that car that was over priced and they never inform me the exact amount I will have to pay for a car. They only gave me an XXXX XXXX XXXX with documents and I don't even received a bill of sale printed that XXXX normally provide. 

I will need help from someone in Spanish language from the CFPB. By the way, That is another way for them to take advantage of me as I can not speak proper English and they knew my status as tourist and that I don't have any job. That is something base on my research penalized by law to a lender that abusive from people like me. 

If someone in Spanish can contact me to my number XXXX I will appreciate very much. 

Thanks in advance for any help, XXXX XXXX XXXX XXXX