davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have an account with XXXX 's appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of XX/XX/XXXX XXXX
Consumer complaint received 2022-04-26
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. (GA)

Dispute Letter have been sent to XXXX on dates below : Equifax - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120 Days i have not received any response or report of investigation. I feel like i am been taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. 
Furthermore Section 611 ( a ) ( 1 ) ( A ) of FRCA Law states clearly that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. it has been over 120days, so they should be deleted immediately and promptly.
Consumer complaint received 2021-04-12
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. (FL)

Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (IL)

XX/XX/2021 I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX IL. The dealer was given a {$7500.00} down payment and financing the balance was acquired by Westlake Financial Services, XXXX XXXX CA. I was disappointed with the percentage rate offered of 10.9 % despite my credit score of XXXX. Upon closing deal, the vehicle was driven to local gas station for fuel. The vehicle engine light appeared leaving station. The dealer, XXXX XXXX was notified about engine light. The vehicle needed 4 catalytic converters in which the dealer agreed to repair. West Lake Financial as lienholder held dealer payment until repair completion. XX/XX/2021 I picked the vehicle from dealer 's contractor, XXXX XXXX XXXX, XXXX XXXX IL. Westlake Financial Services was immediately notified of repair completion. Shortly after, I received calls to return vehicle from dealer. XX/XX/2021 the vehicle was returned the dealer and down payment refunded because Westlake Financial Services cancelled contract. I have not received written notification for the denial of financing when I have a XXXX credit score.
Consumer complaint received 2021-05-24
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. (IL)

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I've submitted a dispute XX/XX/22 stating that I had inaccurate items and addresses that I needed to be removed from my report based off the information was inaccurate. I disputed several times about the same issue and company refuse to send me data or a letter what documents was reviewed never received a copy of the certified investigation. I asked them to provide a copy of all information from the furnisher. All this I was asking for is my right according to FCRA. 
Accounts : XXXX XXXX  XXXX {$720.00} XXXX XXXX  XXXX {$1500.00} *same account numbers Address XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX ( same Address ) * XXXX
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have been in contact with Bank of America about my business account in reference to a merchant who has been billing my account unauthorized since XX/XX/XXXX claim # XXXX along with claim # XXXX for the month of XXXX leading into XX/XX/XXXX. XX/XX/XXXX I noticed my online mobile banking app account was locked and communicated to Bank of America and upon speaking with them they told me that they had decided to close my account and did not give me full disclosure as to why my account has been terminated, they then proceeded to inform me that I will not be able to withdraw all of my assets from my account. XX/XX/XXXX I received a letter stating that Bank of America may report the decision as to why Bank of America is closing my account and it may affect my ability to open other accounts with financial institutions for up to five years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX earlywarning.com/consumer XXXX XXXX XXXX XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, CEO Bank of America Corporate Center XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX
Consumer complaint received 2020-12-02
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. (NY)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2021-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I was recently affected by COVID 19  and fell behind on my bills So I wasnt able to make my payments .Im now at a stable state to make sure my payment is made on time plus pay more to make up for the past due .These late payments are hindering me from becoming a home owner.Im seeking for a second chance and asked can the late payments be removed from all three credit bureaus as follows XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-08
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. (TX)

I logged into my Experian account on XX/XX/XXXX and decided to clean up some erroneous personal information. There were several incorrect addresses and an incorrect employer spelling. The system would not allow me to make any corrections, but only dispute the erroneous information. 

On XX/XX/XXXX, after disputing the incorrect personal information, my FICOXXXX scored dropped XXXXpoints. 

My initial attempt on XX/XX/XXXX, to call Experian and speak to an Experian Representative about this issue was futile. 

Finally, XX/XX/XXXX, I was able to speak to a representative at Experian. I explained my situation, and the representative informed me, " We are not licensed credit advisors, please take a look at your credit report and see what changed ''. I requested to speak with a XXXX. The XXXX also stated, " We are not licensed credit advisors, please take a look at your credit report and see what changed ''. 

I am in the process of applying for credit and need the 14-points immediately reinstated to my FICOXXXX. I have a 1 % credit utilization rate, and there was NOT a XXXXpoint drop on my XXXX or XXXX credit scores. Experian website states, if one disputes personal information, it does not affect credit scores. 

As of XX/XX/XXXX, another monthly credit reporting cycle has passed, credit utilization has increased to 2 %, but no change ( +14-points ) with my Experian FICOXXXX score. 

I need detailed information on the XXXX-point drop in XXXX score, not a form letter or statement that reads " data is pulled from multiple sources and scores vary, etc .... '', and a timeframe of when this issue will be corrected.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (LA)

XXXX violated federal law 18 USC 1001, 8 USC 1324c, 18 USC 1341 by submitting information to the XXXX XXXX XXXX in order to collect debt which was rightfully under XXXX jurisdiction to be allotted to the consumer for lost time. XXXX has contacted XXXX XXXX XXXX Treasury and they have contacted Continental Service Group, INC d/b/a Conserve. Validation of debt was requested on XX/XX/21 following pursuant to 15 USC 1692c, ( c ) ( 2 ). I was sent post dated information to appear as if it was in correlation with the current request pursuant to 15 USC 1692c, ( c ) ( 2 ). Continental Service Group, INC also violated 20 federal laws including 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ) ,15 USC 1692f ( 1 ), & 15 USC 1692c ( a ) ( 1 ).
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (HI)

Original issue gave response date of XX/XX/21, but was closed 2 months before that date causing refiling. 

In XX/XX/21 response American Express falsely indicated that the XXXX offer had not been loaded or subscribed on my card. The attached image I captured just after doing so proves otherwise. 

Main complaint : Initiated Offers list for my American Express card and saw an offer for a XXXX music subscription deal where you would get a {$9.00} account credit for a {$9.00} XXXX purchase. I activated and loaded the offer and clicked the link. I made the {$9.00} XXXX purchase. On XX/XX/XXXX my AmEx card was charged {$10.00}, which is the {$9.00} plus tax. I called them on XX/XX/XXXX because the credit had not been made to my account. I disputed the charge because I had not received the account credit as clearly promised in the offer specifications. They denied the dispute. I contacted their customer support service via chat on XX/XX/XXXX and XXXX complaining about the false advertising nature of this offer. They offered to investigate and said that I should check back with them or look for an account credit. It never came. This charge is being disputed be cause it is the sole reason why I signed up for XXXX and I clicked their link and followed the instructions.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2020-11-17
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. (FL)

I certify that Equifax and XXXX has been notified through third-party CFPB of fraudulent accounts and alerts on report. Equifax and XXXX was asked to validate the account information being reported by providing original certified copy of contractual agreement. Equifax has left remarks that are not accurate on my report, accounts discharged off show a charge-off status with negative remarks. Equifax has also had my information breached 3-4 times past few years including compromised accounts. 
Can Equifax, or XXXX provide certified original contract for XXXX XXXX? Can either agency provide certified contract agreements for the alleged accounts showing an obligation on my report?
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Using my open end consumer credit plan, extending credit to receive a XXXX Visa Credit card. i noticed on my consumer report that it was recently closed without written explanation or disclosure. They may not restrict or close my account see 15 usc 1666 ( d ). This is unfair to me because they failed to transmit the statement required under section 1637 ( b ). Billing error was noticed on the credit balance showing a excess of {$1.00} so i called the number listed to ask if the credit balance excess {$1.00} and they said yes the balance is {$1600.00} see 15 usc 1666d treatment of credit balance i requested that any amounts held on my behalf be credit to the account. I spoke with Account Manager desk number - XXXX, she told me that they can close my open end consumer credit plan at anytime. Even though i never received the required statement or correct explanation. This is unfair and a violation of my rights.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

Previous attempt to the XXXX, Equifax and XXXX to update my Legal name to my true name as met with indifference and inaction. This is a violation of 18 U.S. Code 242 - Deprivation of rights under color of law,
Consumer complaint received 2022-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

After repeated marketing calls, I submitted an application for a HELOC on XX/XX/21. On each call I stressed the importance of turnaround time ( they had quoted me XXXX weeks ) and what it was going to be used for- a kitchen and bath renovation which was to commence in XXXX ( this is all on a recorded line ) .They sent out an appraiser in late XXXX/early XXXX and told me that they wouldn't be able to lend until renovations were complete. With supply chain back-up probably won't be until XXXX at this point. They cited underwriting reasons. When I inquired as to what specifically, they said they would need an operating kitchen and bathroom. We have XXXX bathrooms, only one being renovated. Additionally we have a kitchenette with microwave/refrigerator/air fryer/sink etc. I raised it up a level at BOA ( couldn't get past the supervisor XXXX XXXX ). They sent out an appraiser a second time and verified bathroom/kitchenette ... .told me in XXXX that I would need to reapply once complete. I had divulged every step of the way the renovation/timeline ( it's on the recordings ). I had relied on them. It was way late in the process to spring this on me.Apparently the underwriter failed to read the notes in the file. In XXXX, they told me that I would need to re-apply. I told that that was unreasonable since bills would come due well before then and it would be another XXXX weeks as well as being too late to apply to another bank with similar turnaround times. In early XXXX they said they would keep it open another 30 days and revisit at that time. In the meantime, I received a letter stating that they declined my application for " underwriting reasons ''. I otherwise qualify. I immediately called BOA and now they will not return my call. 
I feel manipulated and deceived. As a BOA " preferred customer '', I was heavily marketed. I fully disclosed every step of the way what the loan was for and the timeframe as to when I needed funds and when construction would commence. 
Now, I'm in a bind. I need to deplete retirement accounts with heavy tax implications. 
Had they told me at the start, or even early on that they were unable to do it, I could have moved on to another bank. However, I relied on their good faith in representations made to me. I will pay the price for their ineptitude. 
Alternatively, I'm not certain if they were trying to " jam '' me into a construction loan, which would require a total refi... .which is a totally reprehensible tactic.
Consumer complaint received 2017-12-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Integrated Recovery Services (KS)

Repeated phone calls and leaves messages saying I am going to be sued if I do n't return call. Called them back today XXXX and XXXX XXXX said they will file suit for {$1200.00} dollars but they would settle for 30 % if paid today. I told him I wanted proof of the debt by mail in which he said he will not. He then started cussing me calling me profane names and said he would keep calling my place of employment and get me fired.