davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
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. (IN)

They have continued to violate my consumer rights even after the multiple attempts to inform them of the fact. At this point it is consider willful defamation and I am sending a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

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. 

Despite three written requests, the unverified items remained 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 investigations, 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 ( 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. 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 account be deleted immediately : Bankruptcy. 


Enclosed you will find a letter from the United States Bankruptcy Court.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, XXXX, Equifax and XXXX  all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my XXXX, Equifax and XXXX  Credit Reports.
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Repeated calls from morning to night I made a payment and told them I will make another before months end plus XXXX is too high they need to have it lowered. Its a furniture bill and some of it was delivered damaged and after servers call to report the damages they have not come to replace the table or old rug they gave me. I have spoken to several people but noone has called for the problem to be resolved from delivery. As for as the payment I pay XXXX at first part of month and the balance at months end and they as if I paid nothing. That is considered harassment on a customer. They call at least ten times a day this is ridiculous.
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: First Data Corporation (GA)

I am paid through my employer through a XXXX  XXXX card. Last week they placed a hold on my account because they claimed I requested an upgrade on my account. I did not. On Tuesday they requested additional documentation to verify my identify which I provided to them on Tuesday. My account is still locked up on Friday, XXXX XXXX, XXXX and they will not unlock my account until the XXXX. This is a XXXX XXXX hold and request and despite numerous calls to the agency they keep telling me that I will be unable to access my funds. I am stuck at school ( XXXX georgia ) and can not get home for the holidays due to their placing a hold. I have called First Data Corporation the parent company of Money Network and each time they tell me it will be between 24-48 hours. I forwarded the information on XXXX XXXX, at XXXX. As of this time it has been 72 hours since providing the information. Their claim is they are waiting for an update. I can not go home and I have been removed from my dorm and am sleeping in my car awaiting their release of my funds.
Consumer complaint received 2017-12-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (KY)

Purchased a new XXXX XXXX XXXX truck from XXXX XXXX in XXXX, Tx. Financed vehicle with XXXX. Contract was sold to Santander Consumer which changed contract at anytime and at end of contract. They added over $6000.00 in charges and interest to contract. They then illegally repossessed vehicle which put myself and my family with great burden. A contract cannot legally be changed midstream. I spoke with many many people at Santander Consumer and could not get a proper outcome to situation. Here is copy of notice I received:Interest charges accrue each day on your account. If applicable, late fees will be applied to your account when it is past due.
Consumer complaint received 2023-03-29
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. (PA)

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. 


XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-02
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. (UT)

Equifax reinserted a previously disputed and removed/surpressed Bankruptcy from my report. The bankruptcy was disputed as it doesn't belong to me. They removed it and then recently reinserted it. Subsequent dispute requests did not result in removal of the reinserted record.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY ()

TD Bank case number XXXX I have been trying for 6 years to try to get my money back from TD bank, who have frozen the funds and I am awaiting for my money to be refunded. It all started when I was looking for a holiday resort to stay in Hawaii and this " pop Up '' came up to purchase it threw them by paying {$1800.00} US by bank Transfer from my account in XXXX to TD Bank, I sent some emails and the fraudster responded so I thought it was legitimate. Then on XXXX XXXX th XX/XX/XXXX I purchased the supposed holiday, and the next day I realized it was Fraud. I called my XXXX XXXX  to put a stop and they said they will try but because it was more than one day it may not help, and they also sent emails to TD Bank and still no refund. I spoke to a XXXX XXXX at TD bank Investigations Team for approx. 2 years to resolve and no refund. He no longer works there and so I have been trying for years to have my money refunded and the Bank keeps changing the goal posts. I actually came to XXXX XXXX TD Bank and spoke to Mr XXXX XXXX around XX/XX/XXXX and he also tried to help but to no avail, because the Investigations Team, Now, no longer speak to people, it has to be done by email. I have tried for years to get the refund and surely the fact that the funds are still in Limbo in TD Bank, and I am the only person making a claim for my own money clearly states it is mine. The bank also asked me to get the Police at XXXX XXXX to investigate, and the Officer I spoke to said, because the money has Not left the bank or transferred to anyone, then the transaction is not completed. So I ask that common sense prevail and to please return the money to the Sender, which is myself as per the Bank Transfer Documents. I can be contacted by email on XXXX or Mobile/cell phone. 
Please Help, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

For several months my mortgage statements have reflected charges labeled as other charges which are not principal, interest, or escrow. Multiple calls have been made to Fay Servicing, who is the servicer, in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get an explanation of said charges. At no point could charges be validated or explained but yet they reoccur and late fees are being charged based upon it. Fay Servicing has been lees than truthful and made other errors on our mortgage in the past which all can be proven. Fay servicing will not receive money that is not due. Our mortgage is and has been current. It would appear that Fay Servicing is engaging in predatory practices and with as many complaints as they have there couldnt be a servicer more deserving of governmental oversight. If there is no resolution to the current issues within 30 days we will be forced to take other action which, after initiating, there will be no recourse.
Consumer complaint received 2020-09-07
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: Experian Information Solutions Inc. (TN)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Proof of my identity for verification purposes. ( front of ID, and copy of information on vehicle. ) A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX improperly denied the borrowers ' application for a loan modification on the basis the P & I payment that it could offer through a modification ( {$1900.00} ) was more than the borrowers ' current P & I payment, which it alleged to be {$1900.00}. 
The borrowers previously entered into a step rate loan modification in XXXX, with an initial interest rate of 2 % and a P & I payment of {$1900.00} for the first 5 years of the modification. However, the interest rate and P & I payment were scheduled to increase in years 6, 7, and 8, until the interest rate reached 5 % in XXXX and the monthly P & I payment was {$2800.00}. Presently the monthly P & I payment which is being charged to the borrowers account each month is {$2800.00} and based on an interest rate of 5 %. If XXXX used this P & I payment amount, which is the current P & I payment amount, the borrowers would be found eligible for a loan modification that would reduce their interest rate to 2.75 % and their monthly P & I payment to {$1900.00}. XXXX  is improperly reviewing my application for a loan modification based on the monthly P & I payment in XXXX, not the current interest rate and monthly P & I payment which it is charging to the borrowers ' account.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (WA)

This was my second card with this company, I had my first credit card stolen from my mailbox as we have a lot of mail theft. XXXX refuses to send them priority mail or private mail. So I received my new card. Around the beginning of XXXX I noticed I couldnt find my card, I got my bill and noticed two extremely strange charges on my bill. I immediately called and told them my concerns. She was rude and I could barely understand her. She insinuated I wasnt telling the truth. 
The fraud department wasnt very helpful and ruled against me. Then sent me another card with telling me, which was stolen from my mailbox. I had no knowledge another card was even in circulation. Someone is now going around town spending my card on smoke shops and expensive gasoline. I am a severe asthmatic I would never go to a vape shop nor would I spend {$70.00} in a gas station. This credit card company is taking advantage of me as the consumer and continues to bounce me from department to department. I dont have a lot to money and they are expecting me to pay for it even though I havent used the card since mid XXXX to buy pizza. That was the lag time I had their credit card. 
Additionally, they said I made a payment of {$160.00} dollars in XXXX, I dont remember doing that and I looked back in my bank account. Theres absolutely no record of this payment. SoWHO HAS CONTROL OF MY ACCOUNT????
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have two credit cards, one from XX/XX/XXXX and one from XX/XX/XXXX. They both stopped working a few days ago and I looked at my accounts and saw my authorized user had overcharged. I assumed this was the problem and told him to pay off his charges. He paid them off yesterday and then informed me today he received a letter informing him of the closures. I called today and found out that indeed both cards had been closed and the only reason they could give was that it was based on a past closure. I do not have a past closure so I am assuming my authorized user is the culprit here. I do not understand though how this would affect the other card that he is not connected with at all. And if he was the one they were closing it over why not just remove him from my account instead of closing all my cards? These are Chase cards.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After I filed a discrimination complaint with this agency, B of A closed my account in retaliation for making a discrimination complaint. I filed complaints XXXX and XXXX, After I filed the 1st complaint the bank told me I could not have equal access due to being XXXX. After I filed the 2nd complaint for saying I could not have equal access the bank closed my account in retaliation and in violation of my rights under the ADA and other laws. The bank never accommodated my XXXX and never engaged in any good faith process to achieve any accommodation for my XXXX.
Consumer complaint received 2021-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX/XXXX/2020, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

Based on the lawsuit filed on XX/XX/2019. Case XXXX the company is still failing to conduct reasonable investigations and reporting false/inaccurate information to the Credit Reporting Agencies. They never contacted me nor provided me with any accurate documentation of the alleged debt. 

The amounts that are said to be owed are incorrect. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was owed. I do dispute the amount that is said to be owed and do not owe said amount. I have disputed the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect.
Consumer complaint received 2019-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc. (MI)

My lease vehicle was involved in a car accident on XX/XX/XXXX. I was not the driver, my son was driving. I contacted GM Financial to find out what the next steps would be, if my claim was denied. I was told, in a recorded conversation by GM Financial, that " we would need to pick up the vehicle and sell it at auction. We would take that amount off the amount you owe and then we would file a gap coverage claim since all lease vehicles come with gap coverage '' I then called again to the Total Loss department and spoke with a different agent who stated they were waiting for XXXX to release the vehicle. I contact XXXX and the vehicle was released on XX/XX/XXXX and picked up by GM Financial on XX/XX/XXXX. Immediately after this, I had a credit alert notification that my vehicle was placed as 'Derogatory, Repossession ' My issue is the fact that after numerous calls ( nobody from GM Financial has reached out to me ) I was never once told that if GM picked my vehicle up that it would hit my credit as a repo ( this was over 200 points against my credit report ). I am devastated at this. I was never given the option, or choice. It is all in their recorded calls. I have left messages for a supervisor to call me back, and still, not one call. I continued making my lease payments since XX/XX/XXXX so my credit would not have a negative impact. I have never missed a payment, or made a late payment, and now this. No calls to explain to me what is going on.

Please help!

Kind regards - XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.