davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-17
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)

I recently challenged the validity XXXX XXXX # XXXX {$3200.00} XXXX XXXX # XXXX {$500.00} XXXX  XXXX XXXX {$2700.00} XXXX # XXXX {$650.00} XXXX XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$500.00} XXXX # XXXX {$1700.00} XXXX # XXXX {$7800.00} PHEAA # XXXX {$12000.00} XXXX  # XXXX {$4300.00} XXXX # XXXX {$5900.00} and XXXX # XXXX {$8600.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with Experian credit bureau the agency verified the same accounts. We agree Experian is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-17
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. (PA)

I recently challenged the validity of XXXX XXXX XXXX # XXXX {$620.00} LXXXX XXXX # XXXX {$530.00} XXXX XXXX XXXX # XXXX {$710.00} XXXX XXXX  XXXX XXXX XXXX {$810.00} and XXXX XXXX XXXX XXXX # XXXX {$13000.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Consumer complaint received 2021-04-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I had leased a XXXX in XXXX for 39 months which was the agreement. I returned the back when the lease was up, but did owe them for mileage in the amount of {$5700.00}. When I returned the car I was told that someone would be reaching out to me to make payment arrangements. I have been trying to reach someone for over a year that could help me with this issue and no luck. I sent a letter on XX/XX/XXXX, still no one has reached out to me. However, they have reported to the credit bureaus that I owe that amount which is correct, but attached a monthly payment of {$480.00} which was my monthly lease amount. That is in correct since I finished my lease and returned the car in perfect condition. I need someone to reach out to me so I can make payment arrangements and have them remove that monthly payment from my credit since I dont have the car any longer and that was my lease payment not my mileage payment.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I opened an XXXX XXXX account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told XXXX XXXX on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate XXXX XXXX!
Consumer complaint received 2021-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (GA)

My wife opened this account without my knowledge. She had access to our home computer, my dob, ss #, checking account and email. 

She used the proceeds from this loan to payoff all her charge cards which were at their maximum limits. 

At no time did I open this account with lending club for {$8600.00} It is now in collections with XXXX XXXX XXXX. for the above amount.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year i found out that i was a victim of identity theft and i contacted the bureaus and they told me what to do. Even do i followed their instructions to the tee, they havent removed the accounts caused by fraud.
Consumer complaint received 2023-06-29
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. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXXXXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I opened an XXXX XXXX account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told XXXX XXXX on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate XXXX XXXX!
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I opened an XXXX XXXX account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told XXXX XXXX on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate XXXX XXXX!
Consumer complaint received 2021-04-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Leap Credit, LLC (SC)

I received a notice via US mail from this company called XXXX. Among opening the mail. I noticed there was no account number that was linked to my name. There was no statement to inform me that it was attempt to collect a debt. All was on the letter stating that I missed 3 re-payment installments. A late fee will be assessed on these installments. 
On the letter it listed the installment dates for payment. It did stated that I could call XXXX to complete payment. 

In closing the letter the company put, In case if I fail to make the payment by the due date you may be reported to the credit bureaus. 

I have attached the letter below.
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc. (TX)

XX/XX/XXXX I applied for a mortgage with Prosperity Home Mortgage ( XXXX, GA ). I provided all financial documents requested and received a pre-approval for XXXX ( XX/XX/XXXX ) which increased to {$180000.00} ( XX/XX/XXXX ) .The mortgage consultant XXXX XXXX NMLS # XXXX requested that I try and have a late payment removed to increase my buying power, but other than that my scores were good with a range between XXXX. Initially I was not finding any homes I liked. After about 2 months in that changed and my realtor XXXX XXXX began putting in offers with the pre-approval from XXXX. In the beginning of XXXX, XXXX began asking questions that he asked in the beginning about my income and adding my husband to the application. With me having stronger credit I told him no to keep the application with just me. My realtor asked me to contact someone else she knew and had confidence in to possibly submit an application. After speaking with this gentleman he said it didnt take an application for him to know my DTI was too high and he didnt understand how XXXX was able to get the pre-approvals in the first place. I contacted another lender who said the same thing. After months of having the pre-approval, XXXX says he couldnt get me approved. XXXX has done a credit check 13 times. There are 13 inquiries on my credit report because of his negligence and total disregard for my credit history. I reached out and he said there was nothing he could do. He said the inquiries would not affect me but that was another lie. I have been denied credit due to high inquiries. The company he used XXXX was all that appeared 13 times. I was told a supervisor  would call and that never happened. I also filed a XXXX complaint and sent one in directly Prosperity and never got a response. These inquiries are unacceptable. There should be one at the beginning and one at the end of the process depending on how long it took to find a peppery to purchase. The entire process was negligent on his behalf and very misleading.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I want tp request for an investigation of this accounts. ( WELLS FARGO BANK CAR XXXX Opened Date XX/XX/XXXX Balance {$180.00} & WF CRD SVC XXXX Opened Date XX/XX/XXXX Balance {$870.00} ) I would like you to review this reported account. This was undoubtedly placed as charged-off account, yet there is a balance indicating on the statement. There must be a payment history that would show a past due of 120 days for this account. You are reporting mistaken information on this account. Reports should be 100 % accurate based on the Fair Credit Billing Act. Any erroneous information about this account should be removed immediately unless verified.
Consumer complaint received 2023-06-29
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. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (LA)

I opened an American Express account card two months ago yet all three credit reporting companies are showing it opened as XX/XX/XXXX, for starters! In addition, it shows that I have a balance of {$620.00} for over a month, ANOTHER LIE!!! I have had a balance of {$2.00} for over a month and paid that off on XX/XX/2021!! I have told American Express on four different occasions to 4 different people that I want to CANCEL MY CARD!! I hate American Express!
Consumer complaint received 2021-04-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (TX)

Sent notice to company on XX/XX/2021 and again on XX/XX/2021, and I have yet to received a response. I have disputed this debt several times with both the company and credit bureaus, yet the inaccurate information still remains on credit report.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am un aware of this account and any of these charges. I have requested proof of said charges and validation of account and they were in able to provide them but refuse to delete this incorrect account from my credit report.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

Since filing bankruptcy in XXXX I have tried to keep my credit reports free and clear of any bad SCORES. I have been able to keep my SCORE in the six hundreds and have been working really hard to get my SCORES to XXXX and above. Between years XXXX til now XXXX my SCORES have not changed much and I truly believe it's prejudice. 
After filing Bankruptcy I immediately applied for a 'secured credit card ' with my Credit Union , to boost my credit SCORES ..since, I have recently paid-off, with a credit balance of {$800.00}. I also have a credit card with XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ) that I have not used since XXXX, after paying the bill-off. Yes, there were late payments during the time of use, that would or could lower my scores. My point is I'm still getting DECREASES on my report for accounts that aren't being used anymore. My SCORES has been between 664-669 for the past two years and when I get a DECREASE, my score drops significantly. Today I checked my scores, ( because I get notices from EXPERIAN that my scores have either increased or decrease ), it was XXXX today then I clicked on the score for further information, ( because I couldn't believe my score had gotten to XXXX ), my score changed back to XXXX, dropping to 23 points, with not explaination other than previous late payments from two ( 2 ) years ago. 
I hate bringing racism into this, but I believe credit reporting companies ( Experian, XXXX and XXXX ) desecrate different ethnicity buy keeping their 'credit SCORES low and not being able to gain crediblity in the community. It makes not sense to me that my SCORES have been at a stand-still two ( 2 ) or more years. Please FIX this problem with the 'credit reporting companies '.
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

On XXXX XX/XX/2021 when I went to use my card for a purchase I was told by the Automated Voice that the account was closed for any future purchases? My concern is this account was always paid on due date and due to medical hardship carried a balance. For Synchrony originally GE Money to make the assumption based on my credit score or information on my credit reports decisions made to close my account can be premature? Especially when I have submitted disputes to include utilizing the Consumer Financial Protection Bureau. Taking these measures has removed negative information from my reports and is still ongoing. Additionally, my concern is that Synchrony has been reviewing my wife 's medical hardship debt management program settlement with her individual accounts that are exclusively her accounts but were settled by her attorney 's just recently. May be a coincidence? I have been a good customer on all of my accounts and feel to close my accounts based on credit reports that have numerous inaccuracies to include disputes should not be the only criteria to close accounts for example I have 40 years of Federal Service an excellent employment history and 40 years of great credit history. There has been Life Events with my wife 's medical XXXX that has created some credit issues but are constantly under review and challenged through the credit bureaus dispute process which becomes a lengthy process to delete negative information from the reports..
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-16
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 — Problem with personal statement of dispute
Company: CORELOGIC INC (FL)

I applied for a mortgage loan back in XX/XX/2020. I authorized MTH to obtain my credit score. It was obtained and used correctly. On XX/XX/2020, I had a conversation what XXXX XXXX XXXX regarding approval of a lower child support amount that XXXX XXXX List and I had discussed in back in XXXX. There was absolutely no discussion about any credit reporting or any request to run my credit again. I check my credit report recently and noticed I had an iquiry on XX/XX/2020. This inquiry was obtained WITHOUT my consent. 

I filed a complaint against XXXX and this was their response. " XXXX XXXX and XXXX XXXX contacted MTH on XX/XX/2020, to advise that XXXX XXXX child support payment was reduced. At that time, a request was made for MTH to pre-qualify them again. When the request was made, XXXX XXXX and XXXX XXXX authorized MTH to review their credit profile, resulting in MTH pulling a tri-merge credit report that same day. MTH is unable to remove the credit inquires made on XX/XX/2020, as it considered the credit pulls valid pursuant to the authorization provided. MTH and XXXX XXXXs committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused XXXX XXXX and XXXX XXXX XXXX. ". 

However, there are multiple errors in this response. First off, I was the ONLY individual who talked to XXXX XXXX List that day. Second, there was no verbal authorization or any authorization given to pull a credit report. This is fraud.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Timely payments have always been a priority for me regarding this account, ensuring that they are never overdue. I'm perplexed by the presence of late payment remarks on my accounts. It's important to note the provisions of 15 USC 1666b - Billing Error, which necessitate corrections when errors occur.
Consumer complaint received 2021-04-17
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. (LA)

I previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX XXXX  that they were contacting Transunion, XXXX, and XXXX  to let them know that ai closed my account in good standing yet Transunion and XXXX refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!