davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (CA)

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX XXXX NA Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Consumer complaint received 2018-01-24
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (MS)

i sent a claim on XX/XX/XXXX concerning mariner finance about my account from XXXX XXXX showing that is was 30 days late.my account has never been late and im asking them to correct the mistake that damaging my credit report. my usps delivery conformation is XXXX XXXX XXXX XXXX XXXX and i understand that they have 30 days to respond from the date that they sign for it to comply before its a violation of the law.
Consumer complaint received 2022-01-07
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: Affirm Holdings, Inc (GA)

Has no knowledge of this account and belief it to have been opened fraudulently He has contacted your company on multiple occasions demanding a request for deletion of the account be sent to the credit reporting agencies for which your company is reporting Again, my client has no knowledge of this person or address and therefore did not give consent to open an account with your company nor is he aware of this individual.
Consumer complaint received 2023-06-23
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. (TN)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  CC- Account : XXXX Creditor : XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX - Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

After a very recent dispute, initiated through EQUIFAX, the following account has comeback with an update- verification showing the same gross error as before.IT HAS BECOME OBVIOUS that the XXXX XXXX XXXX is uneducated as to credit reporting and the FCRA ... .Equifax who should be removed by Congress as one of the Big Three CREDIT BUREAUS is inattentive, incompetent at remediating gross credit errors that they are required by the FCRA to remediate WITHOUT ANY INPUT FROM THE UNEDUCATED SUBSCRIBER.I am aware I have a civil suit that has grounds for gross negligence of EQUIFAX and the XXXX XXXX XXXX XXXX and both are guilty of wrongdoing that has harmed me financially ... ..the estimated fico loss is 50 points caused by this indefensible and unconscionable misreporting. 
It is also the duty of the CFPB to attend to both organizations with deserved fines, lawsuits and years long supervision.The attached evidence is conclusive as pertaining to my grave allegations. 
The account in dispute is XXXX XXXX XXXX/XXXX, ACCOUNT NO.XXXX THE ACCOUNT WAS CLOSED/TRANSFERRED IN XX/XX/XXXX. 
THE MIS-REPORTING SHOWS TWO 120 DAY LATES OCCURRING IN CALENDAR YEAR XXXX AS IF THE LOAN WAS OPEN IN XXXX IN THE DEPICTED PAYMENT HISTORY.This loan  today is with XXXX XXXX XXXX AND HAS BEEN SINCE XXXX OF XXXX AND IS CURRENT IN GOOD STANDING. 
IT IS ACCOUNT NUMBER XXXX
Consumer complaint received 2018-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (NM)

I have reached out to Waypoint Resource Group Several times, by phone and E-mail, to which I have not had a resolution. 

A collections account was placed with Waypoint Resource Group from XXXX, Client Reference #  XXXX. This account was quickly settled with XXXX, the original creditor, directly ( Proof Of Payment and Communication from XXXX, attached ). Such account was agreed, in writing to be retracted and removed form Waypoint Resource Group as the Creditor. As stated, Waypoint was contacted and advised of such, in addition, I requested to have a deletion letter forwarded to myself and for such account to be reported, accurately, as deleted to all, credit bureaus. 

I have not heard back from Waypoint Resource Group and am now demanding that they address this account in a quick and timely fashion by providing a, over-do, deletion letter and prompt reporting to the credit bureaus of their dealings.
Consumer complaint received 2020-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc. (AZ)

XX/XX/2020 My full payment was applied as listed below ( {$33.00} principal + {$490.00} interest ) I discussed this on a chat with them, and they claimed it was compound interest about a month or two ago not sure of the date.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My current account with XXXX XXXX  was closed today due to an account being opened in my name with Bank of America that I have no knowledge and cant get in contact with there customer service due to an account number or phone number that I do not have
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

{$5700.00} of fraudulent charges were made with my credit card between XX/XX/2018 and XX/XX/2018. {$2800.00} of these charges were credited back to us in a timely manner by USAA. The remaining {$2900.00} of fraudulent charges has NOT been credited to us, despite numerous attempts at resolving the issue with USAA ( through phone calls, online chats, emails, online document uploads, and a letter delivered via USPS certified mail ). Details of our attempts at resolving this issue with USAA are provided in the attached supporting documentation. In addition, USAA has been charging us interest for non-payment of the remaining fraudulent charges. 

All of the unresolved fraudulent charges were reported on an additional page attached to a signed affidavit submitted by us to USAA in early XX/XX/2018. It appears that this page was over-looked by USAA 's fraud department. We have attempted to bring this to their attention by several phone calls and written methods of communication but have received absolutely no response from them. In our last attempt at communication with USAA - a package of documentation delivered via certified mail - we specifically asked that USAA acknowledge that they received the information and were working on resolving the issue. We still received no response.
Consumer complaint received 2019-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

BOA charges fees for their own personal gain. I had a small balance in my checking account after I went into the banking center to purchase a cashiers check with the funds I had in my checking account. The small balance was enough to leave in my account until my next payroll deposit. By the next business day I get an email from BOA stating that my account was overdrawn. I have a membership with XXXX XXXX and XXXX. Both will bill me monthly via my debit card. Both charges should have been declined via my debit card since there was not enough to cover the charges. So what BOA did was allowed both charges to go through, and they charged my account nsf fees and then they charged me extended overdrawn fees as well. I called BOA spoke to a supervisor who told me it was perfectly legal and if I did not like it I could file a complaint and I could take my business to another bank ... .when I asked for them to send me this in writing they told me that they do not have to, but if I want to I could XXXX it. She also told me that supervisors calls are not recorded. I would like to start a class action law suit ... .please assist me with who do I need to contact to do so ... ..I also want assistance in getting the fees reversed on my account. Please help me. BOA should not be allowed to treat their customers this way
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX company sold my mortgage to XXXX XXXXXXXX XXXX on XX/XX/20. They refused to accept my mortgage payment because they were concerned it would not be routed properly and informed me to instead make the payment to XXXX XXXX XXXX Spoke to a representative named XXXX XXXX who informed me that I was protected from any derogatory reporting for 60 days per RESPA guidelines and because I am a California resident. On XXXX XXXX, I received alerts from several credit monitoring services informing me that XXXX inaccurately filed a derogatory rating for 30 day late payment in XXXX, during the required RESPA period. I want this inaccurate information removed from credit history immediately since it is affecting my ability to obtain a home improvement loan.
Consumer complaint received 2019-03-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

On XX/XX/2019, I contacted Midland Credit Management concerning four debts I have with creditors in an attempt to resolve the debt. At this time, I spoke with XXXX, a representative of the debt collections agency. XXXX informed me during this recorded call ( recorded by agency ), that all four debts were grouped together under one case #, XXXXXXXXXXXXXXXX, and the total amount of the debts were {$10000.00}. ( Per documentation sent to me following this call, the " principal '' amount of the accounts were {$7100.00} ). In addition, XXXX informed me that on the scheduled court date, which was XX/XX/2019, said proceedings will include all four debts ( accounts ). During the court proceeding with a legal representative for Midland, a settlement agreement was made, wherein I agreed to pay a total of {$4200.00} to settle the four debts no later than XX/XX/2019. However, Midland is currently refusing to acknowledge the settlement agreement. They are claiming that the court proceedings, and settlement agreement only included three accounts, not all four accounts. As previously stated, I was informed by XXXX that the case being heard, or discussed in court on XX/XX/2019 included all four accounts. With that being said, Midland is attempting to collect on a debt that has already been agreed upon in a settlement agreement that was established during a court proceeding. Midland is in direct violation of The Fair Credit Collections Act, Section 807 ( 2a ).
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (SC)

On XX/XX/XXXX, I XXXX XXXX XXXX tried to get a loan, was told that ERC, a collections company had placed a new negative item on my credit, Fraud and Identity Theft. I attempted to contact ERC twice, I was informed by ERC that this was XXXX ( phone company ) and it was a bill. They just placed this on my credit, the bill was from XX/XX/XXXX, 4 years ago. I have never been with XXXX. ERC had my personal information that is public knowledge. However, they could not provide any proof or evidence that I ever was with XXXX. This is fraud and identity theft. They stole my information and then attempted to get money from me illegally. There is no evidence, because I never had anything to do with XXXX. When I spoke with ERC twice, I talked with there supervisor, she twice transferred the call and the call went dead. ERC there phone number is : XXXX. The amount in question : XXXX. Please assist. Thank you. This negative information 4 years ago, that is fraud is hurting me.
Consumer complaint received 2023-03-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (NC)

We filed a complaint in against Greensky because we were mislead by the sales agent who opened the loan. Since we filed our complaint we have been given misleading information about the status of our loan. I am attaching a screenshot of our loan portal on XX/XX/XXXX that shows our account at and XXXX balance. We have been told that no more interest would be applied to the account until the matter was settle. Now were are getting conflicting information saying our balance is going to be reinstate and interest was applied to our account after XX/XX/XXXX. But even today when I log on to our online portal it says that our account balance is XXXX. I am attaching copies of screenshots from XX/XX/XXXX and today XX/XX/XXXX. We are concerned this is another attempt to mislead us and to add more fees and charges to our account and to trap us into owing them even more money.
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

When I opened my Ally account 6 months ago I opted out of EVERY " information sharing '' option they gave me. 
Today I get a general Privacy Info letter telling me I need to go to their website to opt out again! 
I go to said website but their website WILL NOT LET ME OPT OUT! 
I enter my account info, my info & try to " continue '' by clicking that button, but website does NOTHING. I am stuck there unable to opt out of their privacy invading tactics! 
It's a XXXX tactic & I hope you can put a stop to this. 
thank you. 
Attached is an image of the point at which Ally Bank blocks my ability to opt out of info " sharing ''. There is a 'continue ' button that does NOT work. I can not continue in any form past that point. Essentially blocking my ability to give my preferences
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Automatic Data Processing, Inc. (NY)

I woke up to check my payroll card and it had XXXX dollars on it. I called to find out how when I just had XXXX $ on it before I went to sleep and I was told it was a transaction at XXXX XXXX from XXXX XXXX. The name of my card is XXXX XXXX XXXX.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CT)

I received the following e-mail on XX/XX/20 : Important information from Chase Support XXXX XXXX XXXX Note : This is a service message with information related to your Chase account ( s ). It may include specific details about transactions, products or online  services. If you recently cancelled your account, please disregard this message. 


Dear Chase Customer : We need your help resolving an issue with your account, Until you help us resolve this issue, we've temporarily suspended your account ( s ). 

To resolve this issue, log in using the link below : www, chase,  com/resolveandupdate complete the steps to confirm your identity and recent account activity For any questions, please contact XXXX   customer service representatives Monday through Friday, Online chase Sincerely, Online Banking Team