davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Upgrade, Inc. (OH)

I have notified this company that this account doesn not belong to me and that my identity have been stolen and this account was opened up fraudulently. They have not updated me with any information and I want this debt to be remove/cancelled as well as my credit report update immediately. I have tried disputing this through the credit bureaus and not satisfing outcome
Consumer complaint received 2021-07-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Atlas Credit Company, Inc. (TX)

I entered into installment agreement with Atlas Credit Co. Inc. last XX/XX/2018 with the loan of {$500.00}, with the high yield steep interest rate of 99.85 % that was beyond of the usurys states and national consented annual percentage rate. I sent a written letter to Atlas Credit Co. Inc. to their XXXX , Texas as well to their corporate office in XXXX , Texas , in order to notify them about the future blank checks they asked that was not in their policy to the contract I signed. Atlas Credit Co. Inc. have collected advance blank checks from me for my monthly payment. The checks I signed and gave them were to be cashed only after their agent having called me.

Advanced checks I have given to Atlas Credit Co. Inc. were compromised and my bank, XXXX have to close my account at the time checks I have given them were blanks and without dates that I never authorize them to write dates. It is seriously flawed and causes substantial harm for me due I am now facing criminal charges in that they wrote dates on my blank checks without my approval. 
After the attempts of notifying them through certified mail return receipt no. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in my attempts to communicate in assisting me restructure my installment loan were in vain by Atlas Credit Co Incs representatives before the scheduled withdrawal date.

After Atlas Credit Co. Inc. uncooperatively responding in solving my willingness to repay instead they have submitted to the Hot Check Division. The consequences of their acts were invasive in lieu of resolving these issues with me personally, as consequences of After Atlas Credit Co. Incs false pretenses of the real story.
Consumer complaint received 2021-07-27
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. (TX)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-07-27
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. (NJ)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2022-03-23
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (KY)

XX/XX/2021 it started with amazon not refundin a return they recieved on XX/XX/XXXX so XX/XX/XXXX i filed a dispute synchrony bank wasnt doin anythign to try and resolve this onei sent in all my proof they didnt even review it after over 3 months they sidede with amazon until i got nasty but i was fortnuate to find a honest employee who looked it over then i was told id see the credit in 7 days nope more like 30 some days XX/XX/XXXX theres a XXXX charge on my card i was transferred to fraud dept they cancel the card isssued a new also issues XXXX credit XXXX they put the XXXX charge back on tryied sayin i file dispute wrong claiming i filed it as unrecognized wrong so fraud again another new card no credit for XXXX i called 2 weeks later i was told there were no open disputes of any kind so again i had to get nasty, im tried of being lied to i want the XXXX credited back to my account also they have told credit bureaus that i dont agree with their decsision and thats also hurting my credit ive tried many many times to resolve this i get no where ive got many emaisl from amazon and they being nasty over the first dipute i filed sayin they will make me wait longer for refund and i will regret it at first i really felt synchronoy was on my side but no i dont knw what to think my messages in my online acct have been deleted by an employee ive been hung upo on by several employessi been with amazon over 10 years no problemsuntil this year synchronoy liek i said i have no idea what to think iv been good payer never late always pay more than minum and yet this is how i get treated they claim its mistakes on their end but first time i was told it takes 90 days ok they made mistake i had to refile same dispute they say itlltake 90 dasys, no it shouldnt their mistake they can fix itless time than that and now im haviing to record and take photos wehen im in webstie viewin messages just in casae they are deleted againalso i wana just make note of this, because i kinda feel since amazon was revengful when i filed a dispute just in case sycnhrony gets mad about me filin this with you and the fact i been readin up on some bad customer service when a customer has a complint seems businesses are not reverrting to messin up peoples credit to closing accounts that are in good standin and have been in goos standing, so in case i become a victim to revenge due to me filing this i want it noted, if my credit is harmed due to this then im sayin it now i will take offense to it and will pursuethat as well but hopefully you guys can take over for me resolcve this with out any further issues, or reatailiations.i ve tried to get them to resolve this over and over and im gettin no where. thank you
Consumer complaint received 2021-07-27
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: BARCLAYS BANK DELAWARE (SC)

On XX/XX/2021 Barclays Bank of delaware received my dispute which consist of me disagreeing with this alleged charged off account being on my credit report and also the alleged Balance on this allege charged off account I asked barclays bank to send me athe original contract and billing statements to see what was going on but before anything to follow 12 CFR 226.12C ( 2 ) - Special credit card provisions. Which Requires the alleged creditor to remove the account from my credit report while this dispute is taking place.

Barclays Bank of Delaware does not send me any SIGNED AGREEMENT which voids any sort of contract they are alleging according to Title 32 of South Carolina Code of laws SECTION 32-3-10 ( 5 ) of the stat
ute of frauds of South Carolina. " ( 5 ) To charge any person upon any agreement that is not to be performed within the space of one year from the making thereof ; Unless the agreement upon which such action shall be brought or some memorandum or note thereof shall be in writing and signed by the party to be charged therewith or some person thereunto by him lawfully authorized. '' Also barclays Bank of delaware did not remove the account off of my credit report According to 12 CFR 226.12C ( 2 ) - Special credit card provisions. This alleged creditor is not compliant to an requirement whatsoever
Consumer complaint received 2021-07-27
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: Exeter Finance, LLC. (CA)

On XX/XX/2021, I contacted Exeter Finance, LLC ( Creditor ) to dispute a missed payment listed on my credit reports. The account in question has been closed for over a year, as it was paid it full prior to the account monthly due date. 

30 days had passed with no response from the creditor, so I called them to inquire about the dispute, one representative said the dispute was never filed by them, and another representative who handles disputes stated the dispute was still processing. I informed the representative that they must remove the account from my credit report because they are time bared according to FCRA. An additional 30 days had passed and the creditor continued to report the account being late. I then received a letter from creditor by mail that was unrelated to my dispute asking if the matter was handled. On XX/XX/2021, I sent a certified demand letter giving the creditor 15 days ( XX/XX/2021 ) to delete the account from my credit report or I will elevate the matter to include legal remedies. On XX/XX/2021, my demand letter has been ignored and the creditor continues to report the inaccurate information.
Consumer complaint received 2021-12-31
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. (MI)

Hello To Whom It May Concern, I must admit its very frustrating to have to have large companies just refuse to fix the problem in a such a high handed way. As XXXX, And EXPERIAN are refusing to remove the following public record from my credit report. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Ive been disputing this matter since XX/XX/2021. From XXXX 2021 the companies XXXX, and EXPERIAN has claimed the public record, XXXX  XXXX bankruptcy was verified by a company named XXXX. they mentioned I needed to conduct my own investigation., After doing my own investigation from XXXX 2021, XXXX agreed the XXXX XXXX Bankruptcy was not verified and, According to the FCRA law, the Bankruptcy was not verified in a timely matter, and was no longer accurate. It needed to be deleted immediately by all CREDITORS REPORTING THE INACCURATE ACCOUNT. I have provided the companies XXXX, and EXPERIAN over and over with DOCUMENTATION stating the XXXX XXXX bankruptcy is not verified by XXXX, and needs to be deleted, Nor does the Bankruptcy Court report to Credit Bureaus. 

XXXX and EXPERIAN are disregarding my documents from XXXX, and the bankruptcy court. As they are choosing to still report the inaccurate XXXX  XXXX Bankruptcy. Although XXXX has DELETED the inaccurate information. XXXX and Experian are causing deformation of my character as Im unable to get approved for new lines of credit and if approved for credit theres a high interest rate to pay. Ive filed complaint after complaint Im not sure what else to do. Ive been denied employment due to XXXX and EXPERIAN continuing to report a inaccurate XXXX  XXXX Bankruptcy on my credit report. The companies XXXX and EXPERIAN needs to stop giving me and XXXX a hard time disputing the bankruptcy.
Consumer complaint received 2021-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

The schools that I had these loans with are closed. They have been closed for a long time. I spoke with some one from the US Dept of Education and she was supposed to get back to me and I haven't heard nothing.
Consumer complaint received 2021-07-27
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX -- DATE XXXX I NEVER OPEN SUCH ACCOUNT, I'VE ALREADY CONTACTED THIS ESTABLISHMENT. THEY INDICATED THAT I NEEDED TO CONTACT THE CREDIT BUREAU. 
XXXX XXXX XXXX XXXX I NEVER OPEN SUCH ACCOUNT, I'VE ALREADY CONTACTED THIS ESTABLISHMENT. THEY INDICATED THAT I NEEDED TO CONTACT THE CREDIT BUREAU. 
IM ALREADY A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (UT)

On XX/XX/2021 I sent a certified letter to Equifax requesting an dispute investigation pertaining to : 1. Customer statement : Delete second phone number XXXX XXXX XXXX XXXX, and maintain XXXX XXXX XXXX XXXX. 

2. Personal Information : Delete " former name '' XXXX. That was not my former name. 
3. Employers should be reported as XXXX XXXX XXXX XXXX 4. Accounts- a. XXXX XXXX ( XXXX ) Comment " High balance is the credit limit '' when the credit limit is XXXX and the high balance is {$0.00}. Please remove comment. 
b. XXXX XXXX XXXX XXXX XXXX ( XXXX ) Please delete because the date of last activity, date opened are reporting differently to every credit bureau. Does not meet FCRA. The creditor can not provide debt validation. 
c. DP of EDU ( 2554 ) - The date opened & date of last activity is reported differently to all credit bureaus, does not meet fcra. Please delete for inaccurate reporting. 

EQUIFAX HAS NOT INVESTIGATED WITHIN 30 DAYS, OR HAVE THEY COMPLETED A REASONABLE INVESTIGATION, THEY NEVER NOTIFIED OF AN INVESTIGATION STATUS OR RESULTS, THE DISPUTED ERRORS WERE NOT FIXED ON MY REPORT. 

I RESENT MY REQUEST FOR INVESTIGATION ON XX/XX/2021. I HAVE NO NOTICE OF INVESTIGATION STATUS OR RESULTS, THE INVESTIGATION TOOK MORE THAN 30 DAYS, THE DISPUTED ERRORS WERE NOT FIXED ON MY REPORT.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

My score was dropped XXXX points on XX/XX/XXXX when Experian removed my XXXX XXXX {$25000.00} credit card account details from my credit file. When I noticed it I submitted dispute report XXXX with Experian on XX/XX/2021. An affidavit was submitted that has not been rebutted or acknowledged. On XX/XX/2021 XXXX XXXX XXXX XXXX reported this account again on it's scheduled reporting date bringing my score back up XXXX points after it reinserted back into my file. On XX/XX/2021 Experian reported an updated balance of {$6200.00} dropping my score by XXXX points. This was done maliciously as the account details were already reinstated by by my creditor on it's scheduled report date. The account details were no longer in question after the creditor reported my account, only the high balance remained in question. This balance is not a reporting statement nor is the high balance that is being reported. I have reason to believe that mainly this bureau is intentionally & willfully hurting my credit rating. This was the results of my dispute. This is what they've been doing when I've challenged them. This is a repeated offense of Experian with this account. I removed an exceptional XXXX XXXXXXXX account after the bureaus stopped reporting for 5 months the accurate balance to reflect a high utilization balance negatively impacting my score every month there after until I had to close it after the creditor themselves informed me they weren't sure why it was updating when they report every month. This current account has been exceptional since it's inception. When Experian notices me monitoring my credit or extending myself for credit this tends to coincidentally happen. Please refer to complaint ID 's below for full records of names, dates, and documents stating my case. 

Complaint ID # XXXX was marked closed as a duplicate by Experian while this specific complaint provided all statements up to date that the prior Complaint ID # XXXX did not consist of. Those files included in the dispute shows irrefutable evidence that Experian 's reporting of account high balance was inaccurate. 

Complaint ID # XXXX was disputed due to the above mentioned account being removed completely from my credit file. It was closed with CFPB and later stated that account details were verified with the creditor. 

Complaint ID # XXXX was a dispute for inaccurate highest balance being reported by Experian. It should never had been marked as a duplicate. They were two separate disputes. This complaint is well pass the 30 day mark which they have failed to comply with. 

Attached you will find affidavit submitted to Experian Reports that reflect how Experian drops my score whenever it increases How the account was reporting when I disputed it on XX/XX/2021 XXXX
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson Cruz & Associates LLC (TX)

On XXXX XXXX a certified letter was mailed to the company to cease all forms of communication with me through any and all mediums. Im addition to that I sent an invoice for remedy due to my rights that were violated under the FDCPA ( 12 violations total at the time ). Ive since received communication on two more occasions since I mailed the letters.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I went online to pay my balance on my credit card on XX/XX/2019 it read on the computer I owe XXXX so I pay the computer came back with a XXXX balance. I went on the computer XX/XX/2019 to see if my work check was deposited and I saw under the credit card that I owe XXXX, I had pad my total balance the day before which was pad in full, there was not a additional total for the XXXX on my account at the time of payment .I don't understand how they can add money to my account after I paid, if that amount was there when I went to pay I would have paid, note I paid the bill off around XXXX XXXX and at that time it told me my balance was XXXX so that is what I paid.
Consumer complaint received 2021-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Name XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691. XXXX  and Transuion have prolonged remove Fraudulent information in retaliation of multiple Disputes i put in for violating my consumer rights. Both XXXX  and Transuion refuses to comply by phone and have hung up on me multiple times. A Transuion representative told me she had my file mixed with someone else and still havent removed these accounts.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IA)

The mortgage company failed to submit my property tax payment and I made the required payment from other funds and included {$150.00} of interest and administrative costs. I requested that the escrow account be closed and balance sent to me. I also requested the additional payment of {$150.00} charged to me because of their error. This occurred in late XX/XX/2021 and I received the escrow balance in mid XXXX. The company has yet to pay the additional fee after repeated promises that it was approved and will be processed shortly. Most recently XX/XX/XXXX they informed me that they are seeking payment from the previous service company because they were not informed of the required payment dates. In my opinion, this company should not be licensed to service mortgages to anyone. They lack any commitment or communication to their customers. Thanks