davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (NE)

On XX/XX/2022 I sent an two dispute letters to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letters on XX/XX/XXXX.
Consumer complaint received 2022-02-22
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. (GA)

Fact, I the XXXX is aware and have proof that Equifax has and continued to violate my consumer right and privacy. I the affiant observed 12 violations consumer credit report. Equifax is and continues to be in violation of 15 USC 1681 ( A ) ( 4 ), 15 ISC 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous of time that the Information was incorrect and should not be on there. I have been injured numerous from Equifax gross and negligent and willful behavior these injured include, and not limited to being denied credit, my reputation been ruined, loss of income, XXXX XXXX  XXXX  XXXX.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX continues to report late payments on a car returned to them. The car had a manufacture documented faulty ignition- yet when the vehicle was returned they sold it to someone else and continue to report to Experian and possibly other credit bureaus that payments are late and debt is owed. This is creating a problem - because companies like XXXX and XXXX XXXX from Montana are now using Experian to issue apartment rentals and are giviving priority to this reporting for housing.
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (NY)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

I have also reached out to all companies listed for validation of account and have yet to receive any response and it has been over 30 days.
Consumer complaint received 2022-10-07
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: Bread Financial Holdings, Inc. (OH)

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 6o2 a, States I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX has failed to verify debt within 30 days requested. Attached is my debt validation letter dated XX/XX/2021 marked as ( Exhibit A ). XXXX XXXX XXXX admitted in their letter dated XX/XX/2021 ( Exhibit B ) that they do not have the original certified verified validated contract with wet-ink signature on it. They admitted to not having any original loan documentation in their possession. Copies of copies are not validation and by law are not considered proof. XXXX XXXX XXXX is in direct violation of 15 USC 1692 ( g ) and Section 809 ( b ). They have failed to verify debt within 30 days. Please remove this invalidated unverified account from my credit file.
Consumer complaint received 2022-12-03
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$29000.00}
Consumer complaint received 2024-03-05
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)

Ive been trying for 3 years to have the bankruptcies removed that where caused by identity theft. My ex husband used my information to file for bankruptcy without my knowledege. I contacted XXXX XXXX and they deleted the bankruptcies, so why wont the bureaus remove them. Im sending the letter from XXXX XXXX
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (IL)

First, I entered into a consumer credit transaction with XXXX when I sold them my credit from my open-end credit card, which pursuant to 15 USC 1602l and 18 USC 8 is my social security card. XXXX was paid in full from this transaction so no alleged debt should be trying to be collected. I then saw that Diversified Adjustment Services harmed my reputation and violated 15 USC 1692d ( 1 ) by furnishing this alleged debt onto my credit report. I then requested validation from Diversified Adjustment Services pursuant to 15 USC 1692g since they did not send me validation 5 days after the initial communication which they are required to do pursuant to 15 USC 1692g and are in violation of that. After I requested validation Diversified Adjustment Services did not send me back the proper validation pursuant to 15 USC 1692g. They sent me back a contract with my signature with XXXX not with Diversified Adjustment Services, which only proves that it was indeed a consumer credit transaction between me and XXXX and that all obligations with XXXX were taken care of in full from my open-end credit card and Diversified Adjustment Services has no right to collect this alleged debt. They are in violation of 15 USC 1692g by not providing the requirement numbers 3,4, and 5 when I requested validation from them. It is now a failure on their part to validate this alleged debt. Only me the federally protected consumer under title 15 chapter 41 can validate this alleged debt and I am stating that I do not owe this debt.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I opened an American Express account XX/XX/2017 and it was connected to the XXXX program. I have been using the card and making my payments on time each month. This month I went to make a payment and in bold red letters across the top it stated ACCOUNT IS CLOSED. There was no explanation. I called and was told they discontinued the XXXX card. I spoke with a rep and a manager. They will not transfer my account in good standing to a different type of AE card. They offered for me to just reapply if I want to stay with AE. Their actions are going to negatively affect my credit score act across the board. They told me they decided the XXXX program was not working for them - not enough interest. I asked why there wasn ' t any notice and they told they sent one in XX/XX/XXXX. They mailed it to an address in the XXXX after I called and explained that we were staying somewhere else temporarily and gave them a new address. If an account is in good standing, it should be transferred to a new AE card. Consumers should not be negatively affected by a credit card companies actions.
Consumer complaint received 2019-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Americas Car-Mart, Inc. (AR)

When attempting to modify the terms of my loan and set up a new payment arrangement due to financial hardship ( XXXX concerns, etc ), CarMart asked for me to bring in a copy of my bank statement as support that I did not have the funds. I told them I did not feel comfortable providing my banking information to them. The manager, XXXX, was very angry on the phone and said that I provided this information when taking out my loan, which is materially false. 

I was able to get my loan appropriately modified, but am reporting the request for personal financial documents including bank statements with account numbers and balances, that were unredacted and without personal identifying information.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Transunion 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 didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MI)

On XX/XX/XXXX was told fraudulent charge of a dollar advised I know about transaction and it wasnt fraudulent nothing further XX/XX/XXXX my directed deposit was put into my account when I went to use the card denied tried netspend app said account locked contacted customer service 6 times to keep being told I need to send documents to verify my identify over unsecured email even though the website says not to they want my social card driver license and proof of my address to unlock my account I refuse to send through email told them because the website says not to and that if I cant send through secure inbox to call I asked if they could close the account and just send a check with my money they put request in was denied because I need to verify my identity I keep getting the same run around and now refuse to pay me what is mine with no way to resolve my issue
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

My name is XXXX XXXX XXXX. Someone named XXXX XXXX owes debt to their landloard. FCO is trying to collect the debt. I've told them that I am not XXXX XXXX ( different last name and spelling ) and that I have lived in a house I purchased during the time the debt was incurred. They keep calling and asking me to provide more information under threat of reporting me to collections. have indicted that I am not the person listed on the correspondence and the relevant facts could be verified with a basic public records search. Threatening to damage my credit so that I can do their job for them is absurd.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

On XX/XX/21 I made an online purchase for a air mattress with Mattress Firm. I immediately ask for a cancellation through chat ( which I wasnt aware that you can not speak to anyone by phone ). I sent a request to ask for a refund. On XX/XX/21 a representative name XXXX XXXX contact me by email saying it will take 2-3 business days for a refund. Well on XX/XX/21 I emailed XXXX XXXX asking for status on my refund. Per XXXX XXXX Please allow 2-3 business days. I emailed again on XX/XX/21 asking for status of my refund. Per XXXX XXXX She apologize for the delay and that my card will not be charged since the item wasnt shipped. I checked my account on Synchrony.com website ( which is the credit card company for Mattress Firm ) and my account was charged. I sent another email to customer service representative XXXX XXXX On XX/XX/21 asking for status of my refund and also ask for a phone number to speak to a Supervisor but no response back from XXXX XXXX I also contact Synchrony customer service Department at ph # XXXX spoke to Supervisor XXXX, per her shes unable to credit back until Mattress Firm show proof of cancellation but I can fax proof of the request to their fax # or upload it to my account with synchrony. I uploaded the emails online to synchrony account but no one has responded and no one has credited my account.
Consumer complaint received 2021-06-11
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: AMERICAN HONDA FINANCE CORP (NJ)

These accounts don't belong to me. Please remove accounts : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft AM HONDA FIN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

I opened a Wells Fargo Business Checking account with a promotion code in the branch on XX/XX/2019. The promotional bonus consisted of depositing {$1000.00} into new money within 10 business days which I did on XX/XX/2019 and make 5 ACH transactions with the debit card which I also completed XX/XX/2019. 

The language on the promo said I have to do this within 60 days which the banker confirmed and also reaching out to Wells Fargo XX/XX/2019. The rep confirmed my bonus and said it would be paid out within 45 days. 

When I reached out again on XX/XX/2019, the rep said my bonus was not attached. I replied that I applied in-branch and gave the promotion code directly to the banker. They said they will reach out again within 14 business days which is a very long time.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
All Accounts related to the matter : XXXX INQUIRES : XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INQUIRES XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX INQUIRES XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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 following items 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 2021-06-11
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. (NY)

I XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. I already filled out a FTC report # XXXX which is attached. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Due to the pandemic & LA riots, I have been out of a job for sometime. Since I couldnt pay my mortgage, I applied for forbearance with SPS ( Select Portfolio Servicing inc ), my mortgage servicer. Ive requested to extend my forbearance program in XX/XX/XXXX, with XXXX, followed up on the XXXX, with XXXX, XXXX, with XXXX and was confirmed that I could have an extension till XX/XX/XXXX. 

XXXX, 2021, I received a letter stating that I was going to be delinquent if I didnt pay my balance in full. I spoke to XXXX  different supervisors ( XXXX  XXXX ) ( XXXX ) and ( XXXX ) asking them to go play back the conversations as they are recorded. They refused! 
Ive then applied for mortgage assistance program on XX/XX/XXXX and till today, they are not giving me an answer as to if Im approved or not. Meantime, Im getting letters stating that I am delinquent and facing foreclosure. This is not right!
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Monterey Financial Services LLC (CA)

I tried to pay off complete debt woth a credit card was denied twice due to wrong address on file per XXXX XXXX then Monterey financial decided to withdraw without my authorization the amount due of XXXX out of my checking account I have filed a dispute under fraud as suggested by my bank XXXX XXXX has not returned momey or returned phone calls after speaking to employees and then referred to manager