davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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: Avant Holding Company, Inc. (CT)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX  and Avant Bank has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC Section 604 A 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 an open and consumer credit plan as late for and purpose.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

**********************************ADDITIONAL INFORMATION****************************** *****************************EQUIFAX STATED THE FOLLOWING************************* Please be advised that we are unable to locate a credit file using the information you have provided. You may not have a credit report if you have not applied for credit or used credit in the past seven years. If you would like to provide additional information in assisting us with locating a credit file for you, please submit a copy of your drivers license and/or current utility bill with a photocopy of your social security number. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX ************************************************************************************************** I'm providing information that will help find my credit file. I have submitted copies of my identification to you by mail several times. I have done so again this time as well. ****** ************************************************************************************************** Equifax is reporting information on my credit report from XXXX XXXX that has not been validated. I want proof that in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL 9-614. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : CONSUMER 9-616. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY. XXXX XXXX is required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. Please provide copies of the required notices and proof that they were sent to me : Notice of Default and Right of Redemption/Right of Reinstatement Notice of Intent to Sell Property How they Calculated Your Surplus or Deficiency
Consumer complaint received 2020-07-12
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. (CA)

I sent a report from the FTC along with local police report #, sign affidavit that the XXXX account was a fraudulent account. The reporting Co. Removed the fraudulent account from my report. But now it has shown back up and they refuse to delete it. I read the law as follows ( If a consumer submits to a credit reporting agency a copy of a valid police report, or a valid investigative report made by a Department of Motor Vehicles investigator with peace officer status, filed pursuant to Section 530.5 of the Penal Code, the consumer credit reporting agency shall promptly and permanently block reporting any information that the consumer alleges appears on his or her credit report as a result of a violation of Section 530.5 of the Penal Code so that the information can not be reported. The consumer credit reporting agency shall promptly notify the furnisher of the information that the information has been so blocked ) So how is it that it shows back up on my report
Consumer complaint received 2022-08-17
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: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit reporting act Amazon store card account number XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section XXXX : 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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

Bayview completely ignored laws and is reporting a disputed amount to the credit bureau. Bayview took over my loan and even when I disputed according to the laws that are supposed to protect me, Bayview ignored and reports my account late 60 days which included the disputed payment. Bayview asked me to provide information I did, they reported to credit bureau and had caused me financial damage they are going this, as noted on your site too many many people, when will this company be stopped?
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally file a complaint against XXXX located in XXXXXXXX XXXX ; EXPERIAN located in XXXXXXXX XXXX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-04-04
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. (FL)

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RICHLAND HOLDINGS, INC. (NV)

On XX/XX/2022 I sent the debt collector a letter, requesting that the send me a statement with the current amount due, and a monthly statement thereafter requesting payment. The request for a monthly statement was expressly made because of cognitive challenges I have and I may not remember to make the payment if I do not receive a bill. They have not responded to my letter at all. Further, I previously requested to negotiate a settlement of the debt and they refused to consider any settlement, saying that my bill was considered by my insurer in my deductible and could not be now negotiated or reduced. That's outrageous. That's like saying I received a benefit from my treatment and I can not now negotiate or reduce the payment. Ultimately, I would like to negotiate a reduced settlement and make this go away. But at a minimum, I need them to communicate as requested.
Consumer complaint received 2022-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

The mortgage company disallowed me from making my mortgage payment using the online web page. MID AMERICA MORTGAGE forced me to submit a cashier 's check, which I did, but took almost a month to process the payment which resulted in a negative mark on my credit report. All due to the processing of the check which was out of my control.
Consumer complaint received 2019-11-15
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. (MI)

THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND THE CREDIT BUREAUS CONTINUE TO REPORT AND WONT BLOCK THEM AS REQUESTED. 

ACCOUNTS THAT WERE OPENED XXXX   XXXX  {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX RETAIL {$2500.00} XXXX XXXX {$8300.00} XXXX/XXXX   {$20000.00} INQUIRIES XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CREDIT CARD I HAVE REPORTED IDENTITY THEFT TO POLICE, I HAVE CONTACTED CREDIT BUREAUS AND PLACED SECURITY FREEZE ON ACCOUNT
Consumer complaint received 2022-04-30
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. (TX)

In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Account XXXX
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed all my accounts ( 4 personal credit cards, 1 business credit card and 1 bank account ) by themselves and they stated that I violated their T & C and they state that they have the right to close all my accounts at any time. They also forfeited my rewards that I had earned from the credit cards ( close to {$1000.00} in rewards ) and they would not let me redeem my rewards that I earned it myself. Their T & C clearly state that rewards don't expire and I have the right to get my rewards that I earned and they are supposed to be mine.

When I tried to contact them and asked why they closed my account, they would not tell me or give me any information. I have always paid my credit card balance on time and never had a late payment. I always tried my best to be their best and loyal customer.

Could you please contact them on my behalf and ask them to give all my earned rewards ( close to {$1000.00} in cash value ) and ask them if they can open my account ( s )?

Also, I would greatly appreciate if they can provide a more detailed answer on why all of my accounts were closed before trying to discuss anything with me?

Thank you so much!
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

Last Reported XX/XX/XXXX Collection Agency CARTER-YOUNG INC Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2200.00} High Balance {$2200.00} Remarks Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2022-04-30
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. (TX)

In according with the Fair Credit Reporting Act XXXX XXXX Account XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.
Consumer complaint received 2022-04-30
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX and Reporting Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681 section 602 states I have right to privacy.

15 U.S.C. 1681 section 604 Section A states a consumer reporting agency may furnish a consumer report 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 items of adverse information, other than records of conviction 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 2021-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group (PA)

I noticed this account on my credit despite receiving no information from this company whatsoever, a violation of the FCRA. I noticed the account had assessed interest and fees, another violation, this time the FDCPA, and FCRA. I mailed them a dispute, as per my rights granted under the same laws. I first wrote a dispute to TRAF GROUP/A-1 COLLECTIONS, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NJ XXXX. The following month the Company changed it's name and address to WATERFALL REVENUE GROUP, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. Knowing they had again violated the FDCPA and FCRA, I wrote them another letter to the new address. That letter was returned to me. I have a right to dispute, I have a right to know who is reporting on my credit, and they have violated those rights. They have reported false information, they have reported inaccurate account information, and they have misreported their address, after a debt was disputed. I DEMAND JUSTICE!
Consumer complaint received 2023-04-04
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc (MI)

on XX/XX/2021 i sent out a response to a " debt collection '' team at the time i had not known that my information was illegally obtained by this account name hunter warfield and account number XXXX. also i submitted a report and the courts and credit bureaus stated this case was properly investigated. i sent a cease and diciss letter out and was notified this wouldn't effect my credit because i had paid what was asked when i was supposed to. also the open and close dates fpr these accounts are inaccurate and the date last reported is not accurate. This is ground for removal. they also violated my rights on numerous accounts under the law of 15 U.S.C1681 section 604 A, 15 U.S.C 1681q, and also 15 U.S.C 1692, The bureaus also violated 15 USC 1681 section 623 ( 9 ) ( b ) ( 2 ).
Consumer complaint received 2023-04-04
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. (FL)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end consumer credit plan as late for XXXX and purpose.
Consumer complaint received 2022-04-30
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. (DC)

I've contacted the three credit bureaus between XX/XX/2022 to present date in response to their reporting tactics and my reporting issues had not been resolved. Inaccurate late payments and and a charge off on my accounts with the three credit bureaus have been address to the credit agencies, but no action has taken place to correct the issue. Ive also taken several steps to reach out to the company reporting the information to the credit bureaus and have not gotten any response.

15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.