davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

To whom it may concern, On or about XX/XX/XXXX I received a notice from the Massachusetts XXXX that the registration for my XXXX XXXXXXXX XXXX will expire the last day of XX/XX/XXXX and that I could renew it online before that date. I tried Multiple times to complete this process and it kept coming back, unable to renew online. I called My insurance agent and they informed me that the XXXX was aware that my wife XXXX XXXX passed away on XX/XX/XXXX and the only way to renew the registration was to have my wife removed from the title. I called Fifth Third Bank out of XXXX, OH as they are financial institution that has the loan and lien on the title multiple times, including the title department and probate department to inform them that I needed my Wife XXXX XXXX removed from the title. I told them I would send them XXXXXXXX XXXX death Certificate and documents from probate court that I XXXX XXXX is the executor of her estate.They told me multiple times, that the only way to remove her was to pay the loan off in full or to refinance the loan. This is a complete act of cruelty and unfair practice this bank has put on me. Because my wife XXXX from XXXX at the age of XXXX I should never been put in this position. Fifth Third bank backed me into a corner and forced me to either refinance the loan with another bank at a rate of 4 % higher then what I am currently paying, or drain my bank account and pay the loan off when I just lost my wife and her income, More over I have an underage child that I need to take care of. I want this issue addressed and I also want it brought to the atttention of Congress. A simple Certificate of death should of solved this issue in a matter of minutes, but Fifth Third bank just destroyed my life even more than it already was due to the loss of my wife. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (OK)

Medicredit Inc. Keeps adding collections to my credit report. They added one and I disputed and the removed it to only add another debt. They call me repeatedly and harrass me. I have explained to them numerous time I need a detailed analysis breakdown of the medical bill and they refuse to send it to me. I am also in a class action lawsuit against this company for improper collection procedures.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Equifax is reporting XXXX accounts under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere i have shown proof of removal yet Equifax refuses to delete these accounts. This situation appears to breach the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I have received dozens and dozens of email offers ( approaching XXXX ) from American Express over the past 2 years offering XXXX skymiles if I add an additional authorized user to my XXXX XXXX XXXX XXXX  account XXXX On XX/XX/XXXX, I clicked through one of these offers and added my wife to my account. In the offer it stated I had until XX/XX/XXXX to meet the minimum spend requirement of {$500.00}. I met this requirement within 1 month and have spent the last 4 months waiting on Amex to make good on their bonus miles offer. I have attempted to contact Amex support 4 times, and they keep stating that they dont have any record of active offers for my account, despite me having screenshot proof -- and while they continue to send me the same exact solicitation. On more than one occasion they just closed the case after the promise of an escalated follow up with no response. There is clearly some kind of error in their systems registering click throughs on these offers, but they are refusing to honor to the point it feels like bait and switch fraud.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (MO)

Why do investors have the right not to show their name on the consumers credit report. When the consumer has a Mortage with their company. Does the name of the investor have any effect on the consumer credit report. This has happened to me. XXXX who is the monitoring agency not Goldman Sachs. XXXX had to request permission to give me the company I am paying my money to every month.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

After multiple attempts with the bureaus I want all my personal information on all my credit reports to be 100 % accurate per the FCRA, Experian, XXXX, and XXXX are either reporting outdated, incorrect, inaccurate, or missing information when it comes to my personal information which can lead to fraud, identity theft, being denied credit, denied a higher-paying career, or have trouble disputing inaccurate items on my credit reports. I have enclosed all documents that's needed to update or included the correct information, and supporting documents to delete outdated, incorrect, inaccurate, or missing information. I have included my Valid Hawaii State Drivers License to prove my identity and the name on my driver 's license should be the only name on my credit report all other reported names, alias, or also known as names must be deleted from my report immediately. Also, my birthday must be updated, my birthday is XX/XX/XXXX and should be updated on Experian, My name should be reported as XXXX XXXX XXXX XXXX as is shown on my valid Drivers License and all other names must be deleted from my credit report immediately, also I have enclosed a current copy of my utility bill as proof as address and this is the only address that should be reporting on my all 3 credit reports, all other address must be deleted immediately per the FCRA also I have included a copy of my pay stud as proof of employment which is not being reported on any of my credit reports and must be updated as 100 % accurate. I wish to have this ongoing issue resolved in a timely matter as per the FCRA. I want an investigation done to why it hasn't been resolved and for the companies mentioned in this complaint to respond after updating my personal information and reporting correctly per the law. I also included a current screenshot of my credit reports personal information that's being reported as of XX/XX/XXXX
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX 2. Validate Account XXXX XXXX Account XXXX : XXXX 3. I was never late. Send proof that you did a proper independent investigation XXXX XXXXXXXX Account Number : XXXX 4. I was never late. Send proof that you did a proper independent investigation XXXX Account Number : XXXX XXXX. I was never late. Send proof that you did a proper independent investigation XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX A Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX  Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. I was never late. Send proof that you did a proper independent investigation XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXXXXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Validate Account XXXX Account XXXX : XXXX
Consumer complaint received 2022-03-25
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-03-25
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Bank # XXXX and XXXX XXXX # XXXX are double reporting on my account. Capital One was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX I applied in person for a XXXX XXXX credit card ( through comenity bank ). I knew I had a freeze on XXXX and asked the girl if they pulled through them as I still hadnt lifted the freeze. She did not know and proceed with the application. She stated I would receive a letter in the mail. I assumed that meant a decline or it was affected by credit freeze, since I know that if it was Approved I would have been notified right there. I waited 5 days for the freeze to be officially lifted. I received no notification from the bureau that an inquiry had been made, so I reapplied online XX/XX/XXXX. It said I would receive a letter in the mail. When I got the letter XX/XX/XXXX in the mail it said that they could " not process any additional applications received within 30 days of a previous application ''. I called Comenity Bank the week of XX/XX/XXXX and the gentleman confirmed they could not review the request within 30 days and also stated the application made XXXX in person was incomplete. My bureau does not show an inquiry made XXXX since the freeze was active. I never received any adverse action for a declination. My credit was pulled XX/XX/XXXX. I do not believe there should be a hard inquiry made if they cant accept an application. I believe that an adverse action should have been provided, or no credit hit. My score is high. There are 0 delinquencies. There is no reason to decline. The first application was not only incomplete per Comenity, but there was no credit pull therefore its not a complete application. I feel this is a violation of credit laws.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Real Time Group, Inc. (SC)

On XXXX, I filed a complaint with the CFPB ( # XXXX ). The company did not fix my credit report or remove the full balance as stated in the claim. I thought they had removed everything. They changed their name from XXXX to Real-Time Resolution and added more derogatory information to my credit report. 

In the attached documents, you will find the original CFPB complaint. I included a section from my XXXX credit report. Page XXXX shows where Real-Time and XXXX are the same company. in the XXXX credit report, it shows that only Real-Time is on my credit report, but the information is inaccurate.
Consumer complaint received 2022-03-25
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-26
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)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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 2022-12-09
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. (MA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1861 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (MS)

Phh mortgage is still falsely reporting my mortgage in a name that does not belong to me. I am not XXXX. They replied from the last dispute with documents from XXXX. The deed of trust was modified, filed, signed, and notarized in my correct name XXXX XXXX in XX/XX/XXXX. Please do not allow this company to continue to fraudulently the incorrect name to credit bureaus. This was modified under XXXX XXXX. Phh Mortgage is out of compliance legally from reporting this information falsely that is not my name. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document stale dated with a modification date of XXXX does not constitute as proof or verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney General office should you continue in your non-compliance of federal laws under the Fair Debt Collection Practice 's Act, the Fair Credit Reporting Act, and the corresponding local state laws I further remind you that you may be liable for your willful non-compli-ance. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate and incomplete. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any no compliant, false, untrue, and inaccurate information must be deleted.
Consumer complaint received 2022-05-13
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. (GA)

Good day. I am soliciting your help on resolving this very important matter. On XX/XX/2022. I sent out a letter to XXXX XXXX disputing the validity of the bankruptcy they are reporting on my credit report. They replied with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX myself to dispute the item in question and as a result XXXX XXXX could not verify this and as a result they removed it from their database. See attached documentation stating this removal. Also, I have attached supporting documentation from the United States bankruptcy court stating that they do not provide information to any credit reporting agencies. 
I went back to XXXX XXXX on XX/XX/2022, with my 2nd dispute letter and showed them the deleted bankruptcy from XXXX XXXX as well as the letter from the bankruptcy court stating that they do not provide information to any credit reporting agencies. I informed them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home as a single parent with XXXX kids and causing me to pay thousands more a year in home rental and missed tax breaks incentives. Removal of this will help assist me in a situation that is much bigger and important then me. Thank you in advance. 
This item with all due respect needs to be deleted from my credit report within the next 30 days would make life better for me.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank is reporting an inaccurate and incomplete account on my credit report. I first disputed this alleged account on XXXX XXXX, 2015 with XXXX and XXXX, the XXXX credit reporting agencies which are reporting this account on my credit report ( see attachment ). I received correspondence from XXXX and XXXX stating that the account was verified as accurate by Synchrony Bank. 

On XXXX XXXX, 2015, I disputed the completeness and accuracy of the alleged account directly with Synchrony Bank ( see attachment ). Synchrony Bank provided correspondence dated XXXX XXXX, 2015 ( I received the correspondence on XXXX XXXX, 2015 ) stating that they had reviewed their records and verified the account ( see attachment ). However, Synchrony Bank did not, and has not provided any competent or reliable evidence to prove the completeness or accuracy of this alleged account. 

I filed a complaint against Synchrony Bank with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2015. However, on XXXX XXXX, 2015, I received correspondence from the OCC referring me to the Consumer Financial Protection Bureau ( CFPB ) ( see attachment ). 

Synchrony Bank has also violated provisions of the Fair Credit Reporting Act ( FCRA ). Synchrony Bank did not and has not annotated the account as disputed. Synchrony Bank has continued reporting the disputed account without providing a notice of dispute as required by the FCRA section 623 ( a ) ( 3 ). Additionally, Synchrony Bank did not notify me that a negative listing was to be reported on my credit report as required by the FCRA section 623 ( a ) ( XXXX ) ( A ) ( i ). Furthermore, Synchrony Bank has not provided a date of first delinquency to the credit reporting agencies as required by the FCRA section 623 ( a ) ( XXXX ) ( A ). 

As per evidence presented above, Synchrony Bank is in violation of multiple provisions of the FCRA. I respectfully request that this inaccurate and incomplete tradeline be removed from my credit reports with all credit reporting agencies including, but not limited to, XXXX, XXXX, XXXX, and XXXX. I sincerely appreciate your attention to this matter.