davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

In the height of the Covid-19 pandemic between XXXX to XXXX, XXXX. I was hesitant, but was assured it was best time to do so, because I was protected by care act for credit cards companies and consumer, I hesitantly consulted a credit/Debt consolidation company from a random mail that was sent to my home. After I paid the fees for their services, I was instructed by the consolidation company to send my payments to them, and NOT pay my credit card bills to my creditors, and was told that consolidation company legal team would take care payments, and if I received any phone call from the creditors give them the company 's legal team contact information. I did not feel comfortable with strategy or approach .It just did not feel right in my soul so I decided cancelled the consolidation company services, by this time American Express the only 1 of my credit cards companies demanded all three ( 3 ) payments immediately of which I complied, shortly after I received a cancellation letter. I called American Express see if my account could be reopen by explaining what had happened and if the information I received was accurate. I am still not sure if my account was unlawfully closed by American Express in the middle of the Covid-19 pandemic.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TN)

Santander consumer usa have charge this account off, but is still showing open on my credit. this company is reporting that the first missed payment was in XXXX, I opened this account with santander consumer usa in XXXX of XXXX, shortly after that i loss my job try to work something out with this company, and they would not, the documents i have sent, showing XXXX though XXXX of XXXX pay history showing all the return payments and there was only 4 payments made by XXXX XXXX on this account, You will also see how many times this company post on return payment, every time i dispute this account this company would change this account to keep it on my credit, the same information you will see on the history of this account is the same information i sent to the credit bureau, and was told that santander consumer usa told them that pay history was wrong. I also send a copy of XXXX XXXX XXXX credit report showing this account is still open open on credit report.,
Consumer complaint received 2020-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NV)

AMSHER COLLECTIONS stated I opened an account with them. A loan and credit card. I had not. I asked them to send me original documents with my wet ink signature proving that I opened these accounts and gave authorization to insert an account on my credit profile and I have not received them. I have requested numerous times for this information. They have not responded.
Consumer complaint received 2022-04-28
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (TX)

I have sent multiple letters on XX/XX/2022 to creditors and XXXX to validate and verify information on my credit report. 30 days past and I have not received a response from either creditors nor from XXXX. I have then sent the second letter on XXXX to creditors and XXXX warning them that they are in violation of FCRA by not responding to my dispute and verification request letters. When I log in to service.XXXX I see that XXXX opened an investigation on XXXX and it is showing processing. ( I have attached a print of the page here ). As of today XXXX which is 32 days since they opened an investigation and they have not yet responded to me. That is clearly the second violation of the Fair Credit Reporting Act as the ACT states the Creditors and credit bureaus have 30 days to investigate and respond. I have attached here all the letters I have submitted to the creditors and to XXXX on XXXX and the second warning letters for not replying on XXXX. 
Creditors : 1- XXXX XXXX / Acct # XXXX XXXX XXXX  / Acct # XXXX 3- NFCU / Acct # XXXX 4- NFCU / Acct # XXXX 5- XXXX / Acct # XXXX 6- XXXX / Acct # XXXX 7- XXXX / Acct # XXXX
Consumer complaint received 2020-07-23
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: Santander Consumer USA Holdings Inc. (AL)

I am trying to buy a house and I have been told that the loan would be removed after I paid it and it is still showing on my credit report. Account has been paid. The loan was done through Santander USA
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I DID NOT MAKE THE ATM TRANSACTIONS AND I AM A SINGLE FATHER I NEED THE MONEY FOR MY DAUGHTERS NEEDS. WELLS FARGO IS SCAMMING ME BY NOT RETURNING MY MONEY AND JUST DENYING MY CLAIM.
Consumer complaint received 2021-07-20
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: U.S. BANCORP (OH)

The is my SECOND dispute letter and the account listed below is reporting inaccurately onmy credit report and it is in violation of The Federal Law. This is in Violation under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX XXXX  # XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-01
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. (IL)

I am a consumer of the United States and i never gave EXPERIAN nor XXXX XXXX written permission nor the right to report on my consumer report. The fact that this account is reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681b, also a violation to 15 USC 1692d for harming my consumer reputation reportinb late paymenta. I the consumer in fact, natural person, original creditor, lender, executor, administrator and holder demand that my federally protected consumer rights not to be violated at any given place or time. I, the consumer, filed a cfpb complaint on XX/XX/XXXX, complaint number XXXX regarding this account above to be immediately removed from my consumer report for violating my federally protected consumer rights. Attached to this complaint labeled as exhibit A was sent along with my complaint XXXX revealing these violations and reportings on EXPERIAN, XXXX  AND XXXX. After my complaint was filed XXXX XXXX was removed from my XX/XX/XXXX and XXXX  consumer report. As of XX/XX/XXXX XXXX XXXX and EXPERIAN willfully and knowingly continues to violate and harm my consumer rights and reputation. Also attached labeled as exhibit B showing proof of deletion of this account from XXXX  and XXXX  but EXPERIAN and XXXX XXXX continues to violate. Labeled as exhibit C is the letter i received from XXXX XXXX on XX/XX/XXXX stating my account was opened on XX/XX/XXXX and was closed on XX/XX/XXXX due to delinquency when they are reporting delinquency on XX/XX/XXXX when my account was already closed. The information being reported is incorrect amd misleading
Consumer complaint received 2020-11-23
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. (CA)

I have several inaccurate items reporting on my credit report. I have sent a total of 2 letters to Experian for them to correct the incorrect personal information and incorrect account information they are reporting on my credit report and they have not completed my requests within the allotted 30 day period on 2 separate occasions. I have sent a final 3rd letter to request this inaccurate information be removed
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified accounts : XXXX XXXX Account number XXXX and XXXX XXXX Account number XXXX. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION (MI)

In XXXX of XXXX  I paid my annual fee of {$99.00} for the Alliant XXXX XXXX credit card. In XXXX of XXXX I was notified of significant benefit changes to the card that will be implemented later in XXXX. These changes result in either a significant benefit erosion or a requirement for me to obtain additional products and move money into an Alliant checking account. I contacted Alliant several times regarding this issue requesting a refund of my annual fee due to the changes. Alliant refuses to even respond to my complaints requesting an annual fee refund, simply stating that if they agree to refund me the annual fee that I'll see a refund. 

The changes are detailed here :
Consumer complaint received 2021-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (MD)

I received an alert that a collection account was placed on my credit report. Waypoint Resource Group violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute this information. I NEVER received any communication regarding this alleged debt. I was notified of this alleged debt via an alert from my credit report monitoring service.
Consumer complaint received 2021-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (MN)

In XX/XX/2020 with the COVID outbreak I spoke to a GM representative who supplied me with the belief that I would be placed in a forbearance program where I would not need to make payments for a certain amount of time. Immediately following that discussion I paused making full payments due to my businesses being closed, government orders in place and an inability to make payments. The very next month I was assessed a late fee for not making the XXXX payment. This continued on even after payments began to be made again. I've called and spoken to several people at GM Financial and they will not provide a full accounting of all late fees charged. I have asked on 3 separate occasions to have my account history sent to me and I've never received. I have an online account that does not show a full history of invoices, due dates, payments or late fees. They essentially have charged fees on top of fees and continued to assess. I believe because this is a zero percent interest loan and fees are the only way to make profit off of this loan GM Financial took advantage of the pandemics economic impact and unlike most other reasonable and ethical businesses continued to charge late fees knowing that a customer had reached out and that my business was closed.
Consumer complaint received 2023-03-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

I was trying to extend my credit with Rocket mortgage. I told them I wanted to make a Consumer credit transaction. They said I could, so I filled out an application. Then They took my social security number to run credit. After that they said I was denied because my credit score was too low. I then asked them could they give me back my application but they refused to. They said I didn't complete a full application. That didnt make since. So they denied me my rights as a consumer and wouldnt even give me my application back. According to these U.S codes my Consumer rights was violated. 

15 USC 1681 Accuracy and fairness act, 15 USC 1611 willful and knowing, 15 USC 1679 ( a ) what is a Consumer 15 USC 1602 ( g ) Creditor 15 USC 1605 financial charges 15 USC 1691 Adverse action
Consumer complaint received 2022-04-28
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)

In accordance with the fair Credit Reporting act XXXX Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 USC 1681 Section 602A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for purposes.
Consumer complaint received 2020-11-23
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. (CA)

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with XXXX on my behalf, with no response from XXXX. also i disputed with XXXX 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Consumer complaint received 2022-04-28
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. (CA)

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit report
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX, I applied was subsequently approved for a Sychrony Bank Credit card. I was also informed via mail and on Amazon.com that my credit limit was {$1600.00}. 
My first payment was accepted on XX/XX/XXXX. I never enrolled in online billing, from XXXX XXXX through XX/XX/XXXX. I never received a statement from Synchrony Bank. 
I signed up for an online account XX/XX/XXXX. After creating my account and navigating to the make payment section, there was no payment due, however ; there was a balance. The payment section was grayed out and stated no payments could be processed at this time. I assumed it was due to my account being new. I attempted to log on to see my account balance several times after that, to no avail I did not receive any e-statements or paper statements during this time. 
On XX/XX/XXXX, I logged back into my online account and it stated that I had a past due balance. I paid it immediately, and thought nothing else of it. I was not thirty days late. 
On XX/XX/XXXX I received a letter from Sychrony Bank stating that they had lowered my credit limit to {$1000.00} the reason stated was based on a credit report obtained on XX/XX/XXXX.It listed Delinquent of derogatory accounts being recent. Balances on Bankcards are high compared to limits.Not enough balance paid down over time on retail accounts.No open or first mortgage accounts on my credit file. 
I contacted them on two occasions. I express my concern about my statements not being available to me, online nor via mail. I also asked them why did they reduce my credit limit based on a fraudulent credit report. I have had my credit file frozen for over one year. All my credit accounts are current and paid on time, including my mortgage.

My credit score was over 680. I was transferred to three different departments before I was finally transferred to an Underwriting Manager, I informed him of what happened and how the very same reasons listed on the fraudulent credit report they created and was the culprit. By lowering my credit limit they created ratio to debt in balance. The Manager assured me this would be addressed and the limit would be corrected to the original amount of {$1600.00}. He also told me to lift the freeze on my credit report so that they could pull my personal credit file.Today XX/XX/XXXX I received another letter from Synchrony Bank with yet another letter with another fraudelent credit report, the new one is saying that my account is currently past due.It also states that the current ratio to credit limit is too high on this account. 
I am being treated unfairly based on my rights under the FCRA. This company has systematically ruined my credit with false reports and has denied me the credit I have earned and deserve. I want my account restored.
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC (UT)

On or about XX/XX/2020 I applied to have my existing auto loan taken over by XXXX XXXX XXXX XXXX. XXXX advised me they'd be willing to refinance at a lower rate than the current lienholder-American Credit Acceptance-but required that I obtain a twenty ( 20 ) day payoff balance from A.C.A. I attempted to login to my A.C.A. account and was denied access. phone calls went unreturned. On XX/XX/2020 I sent a written request via XXXX 2nd day air ( tracking # XXXX ) that was received by XXXX at XXXX XXXX. on XX/XX/2020. The address sent to : American Credit Acceptance XXXX XXXX XXXX XXXX XXXX, SC XXXX is listed on their webpage as the facility dealing with titles. I advised them they had until XX/XX/2020 to respond. they haven't responded and XXXX closed my file with an 'adverse action ' report. It's my contention that American Credit Acceptance does not have clear title to the vehicle they've been collecting on and are in fact attempting to defraud me. I've never missed a payment-and chose to keep the vehicle while going through a chapter XXXX bankruptcy ( discharged XX/XX/2020 ). I'm a XXXX senior caring for my spouse who's in XXXX XXXX. If A.C.A. refuses to respond I'll block their payment access. My account # XXXX XXXX XXXX Recurring plan XXXX
Consumer complaint received 2020-07-23
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. (TX)

Transunion continues to allow XXXX XXXX XXXX to report inaccurateinformation to my credit file. 

XXXX is reporting a late payment for XXXX & XX/XX/XXXX. Payments were made on the XXXX of the month both of those months. The payment due date on this account was the XXXXof each month. There are previous payments made on the XXXX of the month during the year of XXXX that were not reported as derogatory. 
When I log intomy XXXX  account right now it shows a huge inaccurate amountis currently owed on the account. When I log into the account XXXX shows that I owe a balance of {$1300.00}. This just goes to show how glitched and inaccurate the system holding my information is. 
This account was closed and paid in full on XXXX by my insurancecompany after being deemed a total loss. This account should be reporting closed and paid as of XX/XX/XXXX. 

To be clear there were no late payments in XX/XX/XXXX XX/XX/XXXX or anything reported after XX/XX/XXXX Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
I have attached documents to prove that XXXX has inconsistent information on my account and IT IS inaccurate. This is not in accordance with the FCRA. It is your obligation as a credit bureau to correct this inaccuracy.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have contacted Equifax, XXXX and XXXX  several times concerning the account with XXXX XXXX. The information has always been inconsistent and each time, each bureau stated that either the information was accurate or no errors were found.