davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NE)

In XXXX my wife and I made the decision to consolidate our federal student loans in hopes of simplifying our payback arrangements. This resulted in a private loan with XXXX, serviced by AES which originated on XX/XX/XXXX with a balance of a {$42000.00} with a variable rate at the time based upon the XXXX. 

Since origination, almost exactly XXXX ago, the following are loan facts to date ( XX/XX/XXXX ) : Current Interest Rate : 10.57 % ( Standard Variable ) Payments made to date ( according to the banks payment history ) : XXXX Average Monthly Payment {$300.00} Late Payments Since Origination : XXXX Late Fees Paid Since Origination : {$75.00} Principal Paid to Date : {$9700.00} Interest Paid to Date : {$40000.00} Total Paid to Date : {$50000.00} Expected Payoff Date : XXXX/XXXX/XXXX My complaint should be self evident based upon the numbers above. While the ( to date ) loan details state that our term is " 196 months '' we have satisfied XXXX payments to date and have only paid less than {$10000.00} to the principal and the loan details also state the " Expected Payoff Date '' to be XXXX/XXXX/XXXX? Very confusing. 

It should be noted that my wife and I filed for XXXX XXXX Bankruptcy in XXXX, XXXX in XXXX of XXXX. The bankruptcy was a result in part to past medical debt and my wife losing her business due to unforeseen circumstances. Due to the bankruptcy pending on our credit report, we are not able to refinance this student loan. 

As shown above, in the past 14 years we have been late paying this student loan one time. 

I have attached the loan transactions to date document that was downloaded from the AES website. I have also attached the details of the loan as printed from their website in XX/XX/XXXX and as of recent of XX/XX/XXXX.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

I filed a dispute with Equifax on XX/XX/XXXX when I discovered they were reporting an open car loan account with XXXX XXXX XXXX XXXX XXXX as closed with a last payment XXXX of XXXX, when the most recent payment was last month ( XX/XX/XXXX ). They were also inaccurately reporting my last name, so a drivers license was uploaded to their website to verify last name. On XX/XX/XXXX when I went to the online dispute website to check the status of the dispute, a message said to call XXXX to provide more information. On XX/XX/XXXX I spoke to " XXXX '' at the XXXX number. She was very difficult to understand and spoke with a heavy accent and appeared to have difficulty understanding me. She said my name had been corrected but the car loan dispute was ongoing. This morning I received an email stating my online dispute was complete, however when I followed the link to the dispute center, I again had a message to call the above referenced number to provide information. There was no information on Equifax online dispute website site regarding the status of my dispute.
Consumer complaint received 2023-02-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (FL)

I had a CD with Marcus Bank. I called to give closing directions at maturity. 
The bank clerk accidentally closed my account that day and created a XXXX early withdrawal penalty, I called the bank and they agreed they made a mistake. It's been one month and they have yet to pay me the money back.
Consumer complaint received 2020-01-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NY)

On or about XX/XX/XXXX I was contacted by Pressler felt & Warshaw re : an alleged debt that they purchased from XXXX XXXX, which originally belonged to XXXX XXXX. on or about XX/XX/XXXX I answered this alleged debt asking for the demand for documents and or validation and or verification of this alleged debt. shortly after Pressler felt & Warshaw sent 4 copies of a credit card statement that proves no verification or validation of this alleged purported debt. XXXX XXXX  and Pressler felt & Warshaw could not and will not swear affidavits as to the accuracy of this alleged debt. and have served me again on XX/XX/XXXX, this is an overshadowing violation and violation of 1692a. ( 4 ), 1692g validation of debts, and also ( mandarin trading ltd. V Wildenstein , 16 n.y.3d 173,182 [ 2011 ] ) existence of contract. ( a ) a party alleging a breach of contract Must demonstrate the existence of a contract reflecting the terms and conditions of the purported agreement. it is axiomatic that XXXX XXXX  and Pressler felt & Warshaw seeking to recover under a breach of contract theory Must prove that a binding agreement was made as to all essential terms. construction of an unambiguous contract is a matter of law! in essence, XXXX XXXX  must show that it is the owner of the alleged debt sued upon. it is imperative that admissable evidence shows that specific account was owned by XXXX XXXX at time of suit. 
( XXXX XXXX XXXX v XXXX, XXXX XXXX XXXX [ XXXX dept XXXX ]. 
XXXX XXXX  and Pressler felt & Warshaw had enough time from our initial contact back in XX/XX/XXXX to prove and provide evidentiary proof and demand for documents that they have failed to do so.
Consumer complaint received 2024-02-23
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. (CA)

I am writing to dispute and request the immediate correction of inaccurately reported late-open accounts on my credit file maintained by Credit Bureaus XXXX Upon reviewing my credit report, I discovered multiple instances of late-open accounts, which inaccurately portray my credit history and negatively impact my financial standing. 

Specifically, the accounts listed below indicate open dates that are not consistent with the actual terms of my agreements with the respective creditors : These inaccuracies are concerning as they misrepresent my creditworthiness and could have adverse effects on my ability to obtain credit or favorable terms in the future. I request that you promptly investigate these discrepancies and take the necessary steps to correct the information on my credit report. 

Please ensure that the correct open dates are accurately reflected for each of the accounts listed above to provide an accurate portrayal of my credit history. 

Furthermore, I urge you to review your procedures to prevent such errors from occurring in the future and to provide me with written confirmation once the corrections have been made to my credit file. 

I request acknowledgement of receipt of this dispute letter within the exact timeframe and periodic updates on the progress of your investigation. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (MT)

I got a vehicle through XXXX in XXXX XXXX MT the loan went through GM Financial. I had the vehicle less then a week and it was unsafe to drive. I took it in to XXXX and they could not fix it. I told them I wanted to return it and left it at the dealership. XXXX did not want to return the vehicle and GM Financial repossessed the vehicle from the dealership then they re sold it at auction and are saying I owe the rest of the money XXXX. The vehicle was a lemon and the transmission was failing I almost got into a car accident from it stopping in the middle of a busy road. I told GM financial I returned the vehicle to the dealership. I tried contacting XXXX who the credit charge is with and no one wants to help me. I returned the vehicle before 30 days and this is not my debt. I should not owe anything they sold me a unsafe vehicle.
Consumer complaint received 2020-01-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (AL)

On XX/XX/19 when mortgage application process began I was strongly encouraged by XXXX XXXX, RocketMortgage, Quicken Loans to pursue FHA vs conventional loan to refinance my home due to current promotion that required no appraisal fee, cash from borrower at closing and my interest rate would be 3.3 %. On XXXX I received loan estimate stating my rate would be 3.49 % with {$790.00} appraisal fee rolled into my closing without explanation or other communication. I was unable to reach my loan officer as he was apparently on vacation for XX/XX/19 to XXXX. I thought well its the holidays maybe there has been some miscommunication. On XXXX I complained via message on message board about no information received by me regarding closing. On XXXX I received closing disclosure stating my closing costs had gone up approximately XXXX with near that amount required in cash from me prior to closing. This company which has mesmerized with sloth like efficiency and has completely misrepresented the offer I was accepting without communication or explanation. I reached out by phone today and was told XXXX XXXX would return my call regarding my concerns and have not been contacted. XXXX XXXX, Rocket Mortgage, and Quicken Loans have behaved with extremely poor customer service, business practices and without ethics.
Consumer complaint received 2023-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting without My person 's consent. 
Transunion is allowing fraudulent negative information to adversely affect my person 's credit standing. 
I XXXX XXXX, Last four ending in XXXX, believe that ALL public debts are obligations of the United States as stated in 18 USC 8, 31 USC 3123 and 31 USC 5118. 
If any debt can not be verified under the penalties of perjury by an agent or Principal of a corporation, it must be removed from a person 's consumer report. 
Consumer reporting agencies rarely achieve this level of validation. 
Therefore, agreements established fraudulently must not negatively affect a consumer 's report once identified by the consumer as such. 
Truth in Lending is self explanatory. 

AFFIDAVIT OF TRUTH I, XXXX XXXX, do solemnly affirm and state under penalty of perjury that the following information is true and correct to the best of my knowledge and belief : I am fully aware of the importance of consumer privacy rights and the laws that govern the collection, use, and disclosure of personal information. As a consumer, I have the right to control how my personal information is collected, used, and shared by companies and organizations. 
One of the key principles of consumer privacy is the concept of " permissible purpose. '' This means that companies and organizations may only collect, use, or disclose my personal information for a specific and legitimate purpose, such as to provide me with a product or service that I have requested or to comply with legal obligations. 
I understand that companies must obtain my written consent before collecting, using, or sharing my personal information for any purpose other than those permitted by law. This means that companies must provide me with a clear and understandable explanation of how my information will be used, and I must be given the opportunity to opt-out of such uses. 
I further understand that I have the right to access, correct, and delete my personal information held by companies or organizations. This means that I can request that companies provide me with a copy of my personal information, update any inaccuracies, and delete my information from their records. 
I am fully committed to protecting my privacy rights and will take all necessary steps to ensure that my personal information is used only for the purposes for which it was collected, with my written consent and in compliance with applicable laws. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

By : XXXX XXXX, Beneficiary Date : XXXX XXXX
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

I applied for a credit card with Synchrony bank / SAM 's club on XX/XX/2019 and was denied due to " Number of recent credit requests. '' My credit score is XXXX and I've never been late on a payment of any kind in my life, so I'm a little concerned they're basing their credit decisions on factors that may be in violation of ECOA.
Consumer complaint received 2023-07-17
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. (NY)

I am currently a victim of identity theft I filed FTC reports I've contacted consumer agencies for over XXXX days I received response from consumer agencies stating they would keep inaccurate information on my report
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (OH)

I purchased an XXXX from XXXX XXXX and I never received the order and did not get my money back are the product it was {$250.00} and I made the purchase on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received several emails from Capital One today, starting at XXXX XXXX  saying an account had been opened, password updated, and phone number changed. There were also numerous spam emails that came during this time. I called Capital One at XXXX. They said a new Capital One Venture credit acct. was opened today. Luckily, no charges were made yet. They created case # XXXX and determined it was in fact fraudulent activity. I reported fraud to all credit bureaus and froze my credit. Capital One would not give me any info about the person trying to open the acct in my name such as the phone number and mailing address they used. One of the spam emails that said another acct. was opened in my name said it came from IP address XXXX. I am currently going through and reporting many emails as spam that say I have created accounts for many random places in all sorts of countries.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (AR)

To whom it may concerns, on Sunday XX/XX/2023 I checked my credit scores on Credit Karma and pulled my credit report. It was showing no credit score and closed all accounts stating that I'm deceased. Well I'm still alive and well in good health. 
If they re-insert deleted negative information such as charge-offs, late payments, collections, and inquires after deleting EVERYTHING that's another violation of my Consumer rights under TILA and the FCRA. I only want positive accounts reporting on My Consumer report.

Under 15 USC 1681i ( 5 ) ( B ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (FL)

Dear Experian, Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Please be advised that this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

You have NOT provided me a copy of ANY original documentation required under : Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- You are reporting this late during to COVID19 Pandemic. Please update to never late. 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please delete immediately! 
Incorrect Name - XXXX XXXX - This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
P.S - Please remove all non-account holding inquiries over 30 days old. 
P.S - Please add a Promotional Suppression to my credit file. 
P.S - Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
With Regards, XXXX XXXX
Consumer complaint received 2024-02-23
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-11
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Consumer complaint received 2023-05-14
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: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I have contacted XXXX multiple times through dispute letters, and First Interstate Bank has had them verified with incorrect and missing information. I will attach a copy of 2 accounts reported by XXXX and verified by First Interstate Bank. These accounts both have the same account number. I only remember 1 account, since I would not not need a 2nd account with the same credit limit, both are joint. This is an error on First Interest Bank reporting 2 accounts with the same account number. I contacted First Interstate bank and asked them for a copy of the payment history I was told First Interstate Bank that they did not have any reports for this account number. The account number as reported by XXXX XXXX .... FIRST INTERSTATE BANK This was reported by XXXX Report # XXXX for XX/XX/XXXX. the only difference was one account was reported as opening XX/XX/XXXX and the other account opening XXXX of XXXX since there is no other way to see any difference i will use the date opened. The XX/XX/XXXX- has Terms Not Report INACCURATE, Monthly Payment Not Reported INCOMPLETE, Recent Balance Not Reported, This account shows an open date from XX/XX/XXXX and closed XXXX XXXX ( 4 Year 1 month ) The payments history shows only XXXX payment periods. Yet when I asked for a payment history from FIRST INTERSTATE BANK could not provide a payment statement. The second account with the same number which was opened XX/XX/XXXX shows Terms for ( 1 months )??????? There are 12 months reported on the payment history. The 2nd account with same number has an opened date of XX/XX/XXXX This account shows closed XX/XX/XXXX. How can an account be closed before it was opened INACCURATE??????? On this same account information such as monthly payment and Recent Balance are not report INCOMPLETE, This was verified by FIRSTINTERSTATE BANK. There are so many mistakes on this report from XXXX that have been verified by FIRST INTERSTATE Bank. FCRA Section 609 and 611 require creditors and credit reporting companies to provide accurate information on credit reports. If accurate information can not be provided then the account is to be deleted.