davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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. (SC)

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 1681 section 604 A. section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-29
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: AR Resources, Inc. (GA)

In Reference to the entities below are in violation of the laws enclosed. 

Company and/or Business : 1. AR Resource Inc - Open - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX open - XX/XX/2022 * 15 u.s.c 1681 section602 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons; * 15 U.S.C 1681 Sec . 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; * 15 U.S.C 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy
Consumer complaint received 2021-06-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

This settlement stems from a multistate investigation of Santanders subprime lending practices. The attorney general and other coalition members alleged that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. It alleged that Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees and high payment-to-income ratios. 

The attorney general and the coalition also alleged that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. 

Finally, the coalition alleged that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. 

In addition to providing relief to consumers, Santander in the future is required to factor a consumers ability to pay the loan into its underwriting considerations. 

My loan was open XX/XX/XXXX my APR was 16.65. I put a down payment of {XXXX} my payments were {XXXX} a month for 72 months. I defaulted after a year of on time payments and the truck was picked up in XXXX of XXXX. Santander closed the account in XXXX of XXXX and still reported a late payment in XXXX of XXXX. And they changed the date of the last payment to XX/XX/XXXX when it was actually XX/XX/XXXX.
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (TN)

I called all three bureaus. And I did the dispute process. They acknowledge that XXXX reported the debt was sold to another company and therefore XXXX DOES NOT OWN THE DEBT. The company that XXXX sold the debt to has been paid in full and agreed to remove any derogatory reporting. They gave me this in writing and I have proof of this info and payment. Despite all of this NONE of the 3 bureaus will remove this from my credit report as derogatory. XXXX says that they acknowledged they do not own the debt to the bureaus- but they are going to continue to report it - and all 3 bureaus acknowledge all of this ( and have my submission of proof as part of my dispute ) but REFUSE to remove XXXX. This is going on 3 years or more of me disputing this info and the credit bureaus refusing to remove it. ( Among several other things like student loans that were never late and the Federal government ceased payments for anyways ).
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I received a letter from a department store - informing me that they will reduce my credit limit if I don't make a purchase in 2 months. Not sure if this is legal, but, I feel they shouldn't threaten to reduce my credit limit, which was based primarily on my excellent credit history. If I don't have a need to purchase anything, why should I be penalized for not using it.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

Thank you very much for reviewing my complaint and for your help in this matter. On XX/XX/2022 I contacted Mr. Cooper mortgage company and spoke with a customer service representative regarding my PMI. I informed the the rep that I would like to pay my principal to below the threshold of loan to value so that I could remove PMI per the Homeowner 's Protection Act. I was informed that I would have to make the payment XXXX and then after the payment was made they would initiate a process to determine whether or not they would remove PMI from my loan. Obviously that was not an option for me considering the payment I would be making is tens of thousands of dollars. I reported my unhappiness with this result and was contacted again on XX/XX/2022 by a supervisor. She told me that the information I had received was correct and then proceeded to try to convince me to refinance at a much higher interest rate than my current loan to remove PMI. I informed her that I was aware of the interest rates that are currently in the market and had done my research regarding the Homeowner 's Protection Act. I told her that I would be doing whatever I could to remove PMI from my current loan regardless of the policies that she told me are in effect. She informed me that that would not be possible that their policies required the payment upfront and then they could initiate the process to review my loan and determine if they would remove PMI even though my loan to value ratio would be well below the 78 % threshold. I even offered to sign an affidavit to guarantee that I would put the aforementioned money towards my principal if they would initiate the process XXXX and let me know if they would be willing to take the PMI off after the payment is made so that I did not put down a large chunk of money without receiving the outcome that I wanted. I was flatly denied. Please help!!!!
Consumer complaint received 2022-10-10
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: Bread Financial Holdings, Inc. (NV)

When I opened a Comenity bank NFL card I used a mailed offer from the bank to earn {$100.00} statement credit after spending {$500.00} in the first 90 days. The card was activated in XX/XX/2022, more than {$500.00} was spent before XX/XX/2022 to satisfy the offer condition, since then I have waited for more than 4 months but still haven't received the {$100.00} statement credit promised to post within 1-2 statement cycles in the mail offer. 

I contacted Comenity bank in XXXX, XXXX, XXXX of 2022, the bank has not provided a solution or time for which the credit will be posted on my account.
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a letter on XXXX from MCM ( XXXX XXXX XXXX ) stating that they had purchased a debt of {$300.00} from XXXX XXXX XXXX XXXX. MCM informed me that the credit card from which this debt occurred was created in XXXX and that MCM purchased the debt in XXXX. I never opened a credit card with XXXX XXXX nor any of the retail stores they cater to. Furthermore, even if I had unknowingly signed paperwork at a retail store with credit information, I never received said credit card in the mail or ever used it nor was made aware of minimum yearly payments. Finally, this whole situation sounds fraudulent since MCM made veiled threats to sue me and then offered to let me pay a lower amount than the original {$300.00} they said I owed. 

For reference, the XXXX XXXX XXXX XXXX Account Number is :  XXXX And the MCM Account Number is : XXXX Thanks very much for your time and help ; XXXX XXXX
Consumer complaint received 2022-07-12
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. (CA)

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 this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2018-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NV)

I got a loan for {$900.00} 5 months ago. I have made 10 biweekly payments of {$230.00}. {$2300.00} in payments on a {$900.00} loan. Never late, never short. I called to see why the loan wasnt done being paid off yet and they said I owed almost {$600.00} to close the loan. THIS IS CRIMINAL taking advantage of people in dire need.
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I was notified of breach on my social and notices accounts that I did not recognize, which one was the XXXX XXXX  I disputed with bureau and requested verification and no response... .I reached out to the company and got no response as well. Called the company and made arrangments to pay to get it REMOVED of my credit as I was in middle of closing on a loan and they never took payment out my account a two years ago. I called them back again a month ago as I see it was never removed nor funds came out and I never got verification from the credit bureau or company and the rep advised he seen notes of the information and it would be removed and someone will contact me back but its still reporting on
Consumer complaint received 2023-08-24
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: Affirm Holdings, Inc (CA)

Affirm reported incorrect information to the credit bureau XXXX 

It shows a balance of XXXX $ in XXXX and it shows the month of XXXX installment was paid. 

My next payment is scheduled XX/XX/XXXX. But its reported that XXXX is paid for in my credit report payment history. 

My Balance history for XXXX says XXXX $ and does not have a balance history for XXXX. Yet when affirm reported my Balance in XXXX it shows XXXX $ in debt. 

It shows that the original balance is less then XXXX $ and specifically states it will not affect XXXX XXXX. 

My XXXX XXXX  score went down due to their reporting nothing has changed on my report for month and my score had stayed the same prior to Affirm reporting a XXXX $ debt. It shows the status of my affirm account as good standing. 

There is inaccurate and inappropriate reporting going on between Affirm and XXXX.
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (PA)

Ive recently was notified by checking my credit report, that a unfamiliar debt was posted on my credit report. The account debt that was posted was by LJ ROSS Associates for a XXXX XXXX XXXX. I have dispute this matter with XXXX as well XXXX. This is not my account. I have not lived in that apartment in over 5 or so years. When I have moved from that location, I called XXXX  to discontinue services. My balance was at {$0.00}
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX has charged me for a subscription that is not giving me and American Express is charging me for the subscription even though I have submitted proof that I have not received the service, instead, I have a free subscription. 

On XX/XX/2021, I checked my American Express credit card account and noticed that XXXX had automatically renewed my subscription. I immediately contacted them to request the cancelation of the subscription. I received an email stating that they will not renew my XXXX subscription. They did not return the subscription money to my American Express credit card account. 
I tried to call them but nowhere had they listed a phone number. 
Resigned to have the subscription for one more year I login into my account and they had canceled the subscription but had not reimbursed their fee to my account. 
I contacted them each time I checked the XXXX account ( please see attachment, they have me as a free account ) but they kept both my money and the cancelation. 
I contacted American Express and they did nothing to validate my request. They accepted XXXX 's statement that it was a valid account even though I have sent American Express the attachment showing that it is a free account XXXX is given me. 
American Express kept on charging me over and over the subscription fees each time XXXX denied the claim. I had to spend hours contacting XXXX and American Express every month since XX/XX/2021.
Consumer complaint received 2024-03-06
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. (SC)

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 XXXX  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 2 out of 3 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 Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-10-10
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)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 100 % correct. Under U.S Code $ 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Consumer complaint received 2021-07-26
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. (MI)

Its been over 5 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I AM THE ONE AND ONLY PERSON WHO WROTE THIS DISPUTE. PLEASE DO NOT RESPOND BACK SAYING ANYTHING OTHERWISE.. THANKS FOR YOUR TIME
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: EQUIFAX, INC. (NJ)

I submitted a letter to the Credit Bureaus to correct this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. It was already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I asked for my free credit report from TransUnion and received a request for proof of my current address, SSN, and date of birth. I have lived at my present address for the last thirty years. Their requests appear to be attempt to either delay or eliminate their obligation to provide my credit report. I also tried to call them but received nothing but recorded messages. Attached is their request.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

Chronological timeline of events : * On XX/XX/XXXX I logged on to the mortgage company 's website ( https : //www.truist.com/ ) and made my monthly payment of {XXXX}. 

* On XX/XX/XXXX, I received a call from the mortgage company stating they were attempting to collect a debt for a non-payment in XXXX. I now see that there is no record of this payment being debited from my checking account history. 

* The mortgage company noted on the call that they have a record of me logging in and making the payment on that date, but that it did not go through. They were not able to tell the reason that it didn't go through. 

* The mortgage company also noted that they have been having issues with their payments system since the merger with Suntrust bank ( where we made payments prior to XX/XX/XXXX ). 

* The mortgage company lastly noted that they reported a 30 day delinquent account to the credit bureaus on XX/XX/XXXX. 

* I'm in the process of purchasing a business and the negative credit mark will cause me tremendous financial harm. 

* Until the situation has been resolved, I will no longer make any mortgage payments to Truist. All payments going forward will be held in escrow by my attorney.
Consumer complaint received 2019-01-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have a bankruptcy on my account. I contacted XXXX XX/XX/2018, and ask for this item to be removed. Their response was " this account has been verified ''. I ask them for any and all information they received to " verify '' this bankruptcy. At the same time I contacted the bankruptcy office and the third party and was told they do NOT verify information to credit reporting agencies.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}