davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-01
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: SYNCHRONY FINANCIAL (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-09-11
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: Byrider Franchising, LLC (TX)

I've recently disputed late payments that was inaccurately reported by J.D. Byrider that caused my credit score to plummet. The XXXX XXXX XXXX XXXX XXXX not XXXX XXXX which is one of the deceptions, was reported stolen and never recovered XX/XX/2019.I 've never missed a payment and was never late, however XXXX  allowed JD Byrider to report inaccurately without conducting a thorough investigation to which once discovered JD Byrider should've been blocked from reporting inaccurate information.Instead XXXX  allowed re-insertion of an incorrect charge-off which is false, this is willful non-compliance which is a direct violation, the account should show paid as agreed.JD Byrider illegally marked up the value of the vehicle, without my knowing, triple the amount of the vehicles value.I was cohersed to believe the vehicle would be covered through their insurance, which was incorporated in with the monthly payment as also any repairs through them, which was all a gimmick.The vehicles transmission went out 120 days after the purchase which I had to have towed from XXXX to XXXX Tx . The vehicle was not repaired correctly which led to another break down in XXXX Tx which led to vehicle being reported stolen. This company was sued by Attorney General XXXX XXXX of Massachusetts for the same predatory practices that they're doing in Texas and won a XXXX dollar settlement.The value of the vehicle was deemed {$6100.00} which I thought the purchase price was {$13000.00} which was deceptively placed at $ XXXX.This company has caused substantial and long term damage to me as a consumer with no compassion or relief as to what I am experiencing, a total rip-off!
Consumer complaint received 2022-08-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (AZ)

On XX/XX/XXXX I entered into a purchase Transaction with a buyer who supplied a conditional approval with her offer for acceptance from her XXXX XXXX XXXX XXXX XXXX American Pacific Mortgage signed by XXXX XXXX XXXX XXXX # XXXX. On XX/XX/XXXX XXXX XXXX communicated that all was on track for closing and borrower released loan contingencies for a presumed loan closing of XX/XX/XXXX. on XX/XX/XXXX Escrow officer reached out to XXXX XXXX again at XXXX XXXX and was advised that a closing disclosure had been requested and documents arriving to escrow soon. After missing the closing date XXXX XXXX stated she was working to have the loan close on XX/XX/XXXX. On XX/XX/XXXX it was stated XXXX was out of the XXXX and XXXX XXXX XXXX XXXX took over the loan on XX/XX/XXXX. On XX/XX/XXXX, Branch Manager communicated that the loan had never been approved or submitted to underwriting violating potential Reg B. requirements and UDAAP in order to secure a home purchase transaction for an individual who had not received a loan approval. The seller was deceived into accepting an offer and made to believe lending had been procured by XXXX XXXX. for the purpose of financial gain by XXXX XXXX. Branch Manager XXXX XXXX communicated to seller that he was not sure how the borrower was looking for homes as there was not a loan approval issued. He then asked for more time to obtain financing on the borrowers behalf and to add additional borrowers to the loan. On XX/XX/XXXX after the borrower being served an escrow cancellation request XXXX XXXX once again asked for additional time close the loan adding additional borrowers. As a result of the lenders inability to procure a loan for the agreed upon borrower the sellers have experienced financial harm, and have not been able to cancel escrow as a result of the unethical, Unfair and deceptive loan practices from the institution, that could not have been reasonably avoided by the seller due to the misrepresentation from XXXX XXXX, in having had procured loan financing. To date, at the direction of XXXX XXXX the Borrower has failed to acknowledge any loan cancellation or correspondence from the seller in attempt to coerce a loan closure between additional parties that have not been agreed upon. I formally request that the CFPB evaluate XXXXXXXX XXXX Sales Practices, as well as their adherence into Reg B, Fair Lending and UDAAP compliance.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian will not update my credit file with showing my student loan balance is paid off due to student loan forgiveness. 

XXXX XXXX reporting a foreclosure as of this year 2024 on a time share that is over 12 years old since they received the last payment.
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Bridgecrest Acceptance Corporation (MO)

I have been trying to get my car registered since XXXX. Bridgecrest sent me a letter stating that my application for Title and Registration was rejected because the Vin Inspection was over 60 days old. It wasnt when I sent it in which means they waited at least 2 months before they submitted all the paperwork they made me send them. Theyre now threatening to take my car unless I go a purchase another VIN Inspection and send it to them. I requested that they send my title to the DMV AND THEY REFUSED. Theyd already told me at the end of XXXX they were sending the title to DMV AND I HAD TO GO AND REGISTER THE CAR MYSELF. I have all conversations with them recorded. This is fraud. The DMV said they havent rejected anything because they havent received anything regarding my car. No title. No application for title nothing. I spoke with the DMV in person and they looked it up they have nothing on my car. They are purposely making me pay for a car I can not drive and refusing to allow me to title or register the vehicle myself.
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (LA)

The unfounded debt was initiated by XXXX XXXX XXXX XXXX XXXX XXXX ) directly attributed to the apartment complex XXXX XXXX XXXX in XXXX, LA. 

I had to move into this facility due to being a direct victim of Hurricanes Laura, and 6 weeks later Hurricane Delta. I stayed there during the legal battle that had to take place in order to repair my home which took over a year. I paid every rent amount due on time, never was a payment late in ADDITION to the mortgage I was paying on a house unable to be lived in. I submitted a 60 day notice ahead of moving out as stated by there policy ( which wasnt across the board as others were able to pay month to month I would learn ). 

I spoke directly with a XXXX XXXX with XXXX XXXX XXXX and all funds were paid and I moved out XXXX of 2021. I have a balance sheet showing I have a XXXX balance and Ive been getting repeated calls from a collections agency ( XXXX  ) saying I owe {$700.00} when they never even returned my {$500.00} deposit. I sent them proof of no balance from XXXX XXXX itself showing I indeed owe XXXX dollars. Yet I have been submitted to collections when I have worked tirelessly to build my credit. They have only recently began to call 2-3 weeks ago claiming to needing to speak to me regarding the balance. When I emailed the balance to them to the email I was provided I received NO confirmation, and the harassing calls continued. 

I can submit any documents needed to show this is fraudulent and in fact reporting me to collections has a damaging effect. I am beyond tired of fighting matters of finances when there isnt a battle to be fought over to begin with. 

I believe this is malice and taking advantage of victims who are already pinching every penny and doing their every best to get by. On my own complaint, Im furious because this matter was settled nearly a year ago.
Consumer complaint received 2023-03-10
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. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accounts listed on my credit report. I have noticed that the following accounts are marked as late payment, charge off, or in collections : XXXX XXXX XXXX  XXXX Late Payment Account THE XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Collection Account GUARANTEED XXXX XXXXXXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account FIRST XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account I dispute these accounts as inaccurate, and I demand that they be removed from my credit report immediately. I have been working diligently to improve my credit score, and these accounts are unjustly hindering my progress.

Furthermore, I would like to remind you that under the Fair Credit Reporting Act, it is your responsibility to ensure that the information on my credit report is accurate. Inaccurate information can damage my credit score and impact my ability to obtain credit in the future. I am therefore exercising my right under the FCRA to dispute these accounts. 

I am emotionally distressed and frustrated by the damage to my XXXX XXXX caused by these inaccurately reported accounts. I urge you to take immediate action to remove them from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-01
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. (NY)

There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response. All documentation you may need to verify my identity is attached to this complaint and I fully authorize these disputes. Please keep in mind investigations are not supposed to take longer than 30 calendar days, not 45, not 60. Please abide by the law. 

-bank statement -official photo of my id -official photo of my social security card Please do not respond back to this saying you can not move forward with my dispute because of lack of information needed to verify my identity. You have everything you need.
Consumer complaint received 2022-08-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was thrown out from Bank of America without any explanation .I was rejected by XXXX banks XXXXBank of America refused to give me any reason other than " a business decision ''. 
After finding out I am not in XXXX XXXX I requested consumer report from XXXX XXXX. Bank of America reported account that was constantly in default and constantly overdrawn for over a year as an account that belongs to XXXX XXXX 
So they made their own mistake and not only threw my out as a XXXX, they prevented my business from opening an account in other banks for almost 2 month .Bank of America willful negligence costed me being about 2 weeks without money and 2 month out of business charges from my clients.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (MI)

XXXX internet service has placed a equipment charge of XXXX in collection with Eastern account system that's on my credit report. That was opened on XX/XX/23 and I have spoke with XXXX cable service five times in the last month. I spoke with XXXX on XX/XX/23 and confirmed that they received their equipment on XX/XX/23.
Consumer complaint received 2022-07-09
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. (VA)

DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED XXXX XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / NELNET XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} XXXX - - DEPT OF ED / NELNET XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} XXXX XXXX XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} XXXX - - DEPT OF ED / XXXX  XXXX {$0.00} - XXXX - DEPT OF ED / XXXX  XXXX {$0.00} - - XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} A

ll these accounts have been paid in full but still reflect on credit. Remarks ACCT CLOSED DUE TO TRANSFER
Consumer complaint received 2020-08-01
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)

There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response. All documentation you may need to verify my identity is attached to this complaint and I fully authorize these disputes. Please keep in mind investigations are not supposed to take longer than 30 calendar days, not 45, not 60. Please abide by the law. 

-bank statement -official photo of my id -official photo of my social security card Please do not respond back to this saying you can not move forward with my dispute because of lack of information needed to verify my identity. You have everything you need.
Consumer complaint received 2019-09-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXXXXXX PA XXXX To TransUnion Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX because of multiple inaccuracies. 1. In the Open Date sections of this listing. TransUnion is reporting XX/XX/XXXX for the date this account was opened. However, XXXX and XXXX is reporting that it was open on XX/XX/XXXX. These dates are inconsistent. 2. In the Account Status sections of this listing. Transunion is reporting that it is a closed account. However, XXXX and XXXX is reporting that this account is Open. How can this be inconsistent? Please Delete! 

I understand that any inaccuracy reporting on an account makes the entire account invalid and must be deleted. Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XXXX SSN # XXXX
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (TN)

In regards to XXXX acct # : XXXX, I was able to speak with XXXX 's legal department about my intentions to sue if their credit reporting was not corrected. During the conversation, I learned that the XXXX account in question is for an address I have never lived at. I am now assuming that XXXX mistakenly assigned that account to me. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX My previous address was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX. 

I have attached a copy of my W2 as proof of my previous address. I want to demand XXXX and the credit bureau 's permanently delete this tradeline from all credit reports.
Consumer complaint received 2022-07-09
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. (VA)

DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} XXXX - - DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} XXXX XXXX XXXX DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} XXXX - - DEPT OF ED / XXXX XXXX {$0.00} - XXXX - DEPT OF ED / XXXX  XXXX {$0.00} - - XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} All these accounts have been paid in full but still reflect on credit.

Remarks ACCT CLOSED DUE TO TRANSFER
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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. (NY)

On XX/XX/2022 I submitted a dispute with XXXX on three different accounts in charge off that had inaccurate information reported for over 2+ years ; and instead of taking the 30 days to investigate. XXXX immediately on XX/XX/2022 allowed the data furnisher to modify the credit report to update the information they failed to report accurately in the first place. And because the accounts were reported incorrectly I requested the accounts be removed but instead modified the information and refuse to change it. 
I have also submitted disputes with Experian but once their investigation was complete their dispute center and telephone service refuses to let me submit another dispute. 

XXXX  XXXX : {$770.00} XXXX XXXX : {$530.00} XXXX XXXX  : {$260.00}
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN XXXX.