davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
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. (CT)

Experian been reporting incorrect information in my report a contact them more of 40 times this past years a let them know open numerous disputes the account incorrect payment history incorrect different information reported each bureau lack of inconsistency past due Account status multiple charge off charges whem charge off account should stop reporting no more activity .2 account of XXXX 1 from XXXX XXXX XXXX XXXX XXXX incorrect information reported this 4 account have notable discrepancies.Experian in time record finishes disputes in less 5 days not really investigate just pretend whem is very clear
Consumer complaint received 2021-12-01
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2019 XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1100.00}
Consumer complaint received 2021-09-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (AZ)

I SENT A MAIL ASKING FOR VALIDATION OF THE DEBT THEY CLAIMED I OWE DATED XX/XX/XXXX, THEN ANOTHER ONE ON XX/XX/XXXX. BECAUSE OF NO RESPOND I FOLLOW UP ANOTHER LETTER DATED XX/XX/XXXX. I HAVE BEEN TRYING TO REACH OUT TO THEM AND ASK FOR A PROPER VALIDATION OF THE DEBT FOR {$310.00}. THEY NEVER RESPONDED TO ME. HOW CAN THEY VERIFY THE ACCOUNT TO THE BUREAUS IF THEY CAN'T VALIDATE THE ACCOUNT WHEN I ASKED THEM TO.
Consumer complaint received 2018-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Navient has confirmed that there were several instances where my parents called in on my behalf, using my information. This is a violation of my privacy rights, and I want all dates and times that this was done. They have been withholding this information, and it is my right to know. This was a previous complaint submitted earlier in XX/XX/XXXX. I received a response, but it was missing a lot of detail. This includes time stamps, and what each phone call was about. I am also requesting specific information on XX/XX/2016. It was confirmed from a Navient agent that my father called in, asking how to make a XXXX payment on loan 1. I need all information regarding this. 

This company tends to distort facts, and very childish.
Consumer complaint received 2024-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (WI)

I have mortgage through XXXX who sold it off to mortgage servicer Dovenmuehle Mortgage Company. I received escrow analysis that was dated XX/XX/year> with a surplus stated of over {$8000.00} with no check included. It states check would be sent within 30 days of escrow analysis and I have yet to receive the check. I called them XX/XX/year> spoke to lady who said they had not issued the check yet and couldnt find out why. She stated I must wait 60 days before they can reissue the check even though she stated they never issued in first place. I then did some digging to realize my last years escrow analysis stated an over {$5000.00} surplus and I was never sent the check for that either and they rolled it over into this year which is illegal. I continue to contact them online and via phone and I get no straight answers and they can not guarantee a date or the amount of the check that will be sent. Realizing they didnt send it last year Im assuming they will not send it this year either. I have never dealt with a more incompetent company in my life. They steal peoples money interest free. I am contacting a lawyer in order to get this resolved which will take more time and resources than what should be needed.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I logged into my XXXX XXXX account and started looking through my credit reports from the different sources. Both XXXX and XXXX, just to discover unverified and unauthorized inquiries on my credit report. I called the customer service number for both providers trying to get information on where that bank is located and the subject of which caused the inquiry. The only 2 inquires I recognize is from the XXXX XXXX XXXX ( XX/XX/XXXX ) AND XXXX XXXX ( XX/XX/XXXX ) used for my XXXX XXXX account. Please take action on this fraudulent matter because every other inquiry on this account was and is a hundred percent unauthorized.
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (WI)

American Express Debt Collector XXXX XXXX XXXX. Called me numerous times at work. The following times that the company called me at work are as follows. XXXX, XX/XX/, XX/XX/, XX/XX/ and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.
Consumer complaint received 2022-04-06
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-09-05
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. (MI)

I submitted a dispute to Transunion credit reporting agency due to unauthorized " Hard Inquiries '' that are on my consumer credit report. Transunion told me that they " Investigated '' the dispute and " Verified '' the unautorized inquiries within 1 day and said that they are remaining on my consumer credit report despite the fact that I filed a police report stating that the inquries are unauthorized or the result of fraudulent activity.
Consumer complaint received 2018-02-19
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. (NY)

I am reaching out regarding predatory practices on behalf of the company XXXX XXXX that seek to damage my credit. With the exemption of XXXX in which account XXXX XXXX # XXXX is removed, this said account has been charged off and closed. Additionally, XXXX and Experian report this account as closed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The lender ( XXXX XXXX ) is attempting to ILLEGALLY re-age a closed, charged off account. According to the FCRA, the beginning, first date of delinquency can not be changed once an account is charged off. Once a charged off account reaches 7 years, then the credit bureaus must purge the account from your credit history. XXXX XXXX has ILLEGALLY re-opened the account in an attempt to reset the 7 year clock. It is illegal for a creditor to change the purge from date on a negative account by reopening the account so that it remains on the consumer credit report. 

In light of the lack ethical practices on behalf of XXXX XXXX, incorrect payment history, incorrect account status, I am requesting that this account is REMOVED from my credit reports immediately. I have disputed this account several times and both XXXX and Experian have failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. The lender is attempting to illegally re-age the account. Consumers have the right to be protected from unfair credit practices ; hence I am requesting reparations by the account being removed. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. Thank you again for your time. XXXX XXXX
Consumer complaint received 2024-03-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

We purchased an AMEX prepaid gift card from American Express in XXXX XXXXXXXX, I have never been able to use it, every store declines it, in person and online. I've called AMEX many times and they won't do anything, they just keep saying try another merchant, the card is active etc... it has XXXX on it right now and is completely useless.
Consumer complaint received 2022-11-19
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. (NH)

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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, XXXX XXXXXXXX # 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 2 : It also states a consumer reporting agency can not furnish a 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 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Dear XXXX Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above on XXXX. I called to inquire about this account that is listed on my Credit Reports. I spoke Customer Service Representative named XXXX, as provided by her. She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account without any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, reputation etc. 

I am aware the Bureau is in place to assist me in enforcing my right and to ensure that I am not taken advantage of as a consumer. 

On XX/XX/2021 XXXX  XXXX removed 6 Inquiries from my consumer report. The deletion was based on violations of the Fair Credit Reporting Act that I submitted to XXXX  XXXX in XXXX. When there are damages done, remedy is to follow pursuant to XXXX XXXX XXXX for civil liability, which XXXX  XXXX is accountable for. XXXX  XXXX may be held criminally liable pursuant to 15 USC 1611 for harming my reputation with fraudulent and private information shared on my consumer report. 

I submitted a request for remedy and it was left unanswered. I have never given written consent to XXXX  XXXX to report about me as a consumer and through many phone conversations they have given me the run-around about removing fraud from my report. They claim to have done investigative reports but have not provided proof that interviews with my friends, family, or close associates have taken place pursuant to 15 USC 1681a ( e ). I was laughed off the phone when I mentioned this federal law.

I demanded the block and removal of the fraud that has taken place due to identity theft pursuant to 15 USC 1681c-2 ( a ). I have provided my US Passport, Social Security Credit Card ( 15 USC 1602 ( L ) ) and my XXXX bill to help identify myself according to federal law.

All accounts and Inquires I listed on my Federal Trade Commission Identity theft report shall be removed, as it is my written instruction in my letter and this complaint through the bureau. 

Any account that has been " Investigated '' please attach any interviews that took place with my friends, family, or associates that would be able to validate the account, pursuant to 15 USC 1681a ( e ). The furnisher of the reports are not Original Creditors, I am. block and remove those accounts listed, they are fraud.

XXXX  LLC is not a bureau, but an agency that congress called, " An elaborate mechanism '' that assumed a " grave responsibility. '' Now, on XX/XX/2021 I am conversing by way of the Bureau because I have tried numerous phone calls and letters to no avail, with XXXX  XXXX.
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

To whom it may concern, I moved to California from XXXX due to a job relocation on XX/XX/XXXX. Coming from a different city and originally located in the XXXX XXXX, I carried with me only my personal belongings. Therefore, once I arrived to XXXX XXXX, XX/XX/XXXXdue to the transportation being mainly here with a personal vehicle I prioritized this task first. I went to many dealerships and just when I was about to give up I went to XXXX XXXX. There on the evening of XX/XX/XXXX ( I remember because it was my Mothers Birthday ) the sales man showed me the XXXX  XXXX. They told me that this was basically the car to have, that I would be able to drive in the carpool lane alone, that it has no emissions, seat warmers, keyless entry, navigation ( GPS ), bluetooth, leatherette seats, auto-brakes, blind-spot warning, etc ... But one of the most important things is that the car would hold its value and that they would give me a card with $ XXXX to be used on fuel for the next 3 years. I purchased the vehicle for $ XXXX ( If I recall correctly ) and I gave $ XXXX down payment. 

Fast forward to XX/XX/XXXX, after the pandemic hit I have to make the hard decision to leave from California ( due to the pandemic ) so I went in to XXXX  XXXX again since the fuel for this Car is only in California I can not take it with me ( its liquid hydrogen - fuelcell XXXX - so I was hoping that I could trade-it in for a car that uses gasoline. The sales man was about to trade it for a XXXX when his boss came to speak to me to give me the terrible news that they can not accept my car as a trade-in. I was like, what?! Why?! ... They said that the car lost so much value that they could only accept it if I gave $ XXXX cash. Which it is just unreal. I bought the car, certified pre-owned from XXXX which typically already it had lost the biggest amount of value but now they are telling me that a car that I bought less than a year ago and which I still owe $ XXXX on it its worth around $ XXXX - I bet you can feel how ripped off I feel by the company. Not only that, they are still selling this car for more than $ XXXX which is the worst part since I feel that not only me but they are fooling other people. 

Now I am extremely frustrated that such a big company with a strong reputable brand played me for a XX/XX/XXXX and now I owe a car that I can't re-sell and they wont trade-in for a car that I can use out of state. 

This is why I feel like my only hope is to file this complain through you with a huge hope that you can help me find a solution to this terrible mismanaged situation as a consumer I have been robed, this is just not acceptable and they are still doing this to other consumers. I have the car loan with them - Toyota Financial. 

I humbly ask if there is something you can do to help me and also help others avoid this scam.
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2018-02-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mobiloans, LLC (SC)

I received monies from these companies, paid them in full I thought ...!! They continued to withdraw money from my bank account even after I ordered them to stop. They caused me great hardship. I paid them off early trying to avoid the high interest rate. So the unauthorized withdrawals by the payday loan companies continue until I was force to close my account. Because of this I had to actually get a XXXX debit card for my direct deposits of my bi- weekly pay. It wasnt until I tried to get a financing for a home did I see the fraudulent entries on my Credit File. As the CFPB has successfully sued XXXX XXXX XXXX ... I am involved in that settlement ... I have asked for monies Owed and now a complete DELETION OF ALL THREE TRIBAL LENDERS OFF MY CREDIT FILE .... MOBILOANS ... XXXX XXXX LENDING AND XXXX  XXXX ( after the court case ... they did mark my credit file as PAID IN FULL. Please delete these 3 fraudulent entries on my credit file.
Consumer complaint received 2020-01-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bronstein & Weiss Arbitration (TX)

I received a voicemail today from an unknown number at XXXX XXXX  cst. The call states it was from a detective from XXXX county trying to notify me that criminal charges were being filed against me. They advised that a bench warrant was going to be served if I wasnt available tomorrow during the hours of XXXX to sign an affidavit. I looked up the number i was advised to call and found the number is for BRONSTEIN & WEISS ARBITRATION , INC. I have uploaded the available transcript on my voicemail.
Consumer complaint received 2018-02-19
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. (TX)

XXXX reports to credit report that the amount written off as {$6000.00}. The ending principal balance after accounting for all fees was {$5400.00}. I have attached XXXX 's payment history as verification of the discrepancy as well as how it appears on my credit report. I also attached a copy of a letter they recently provided me that said the blance should have been {$7000.00}. There are so many discrepancies with this account. The information XXXX is reporting there is no way it can be correct as they have sent me different letters stating different things, and none of it matches. There is not one item that matches on the explination of fees page with the transaction history or my credit report. This account must be removed as it is not 100 % accurate, and I'm not even sure we can trust thier validation of anything, since they cant even decide what the balance was or should be at the time of charge off.
Consumer complaint received 2020-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

This company did not provide me with Debt Validation and did not even responded to my letter. I have requested debt validation for account XXXX, last XX/XX/2017 and up to know I have not received anything back. This account was even disputed to XXXX  AND XXXX and has been REMOVED. Yet the account is still reporting to XXXX. There is definitely a violation of FCRA and FDCPA.