davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

I was involved in a car loan scam. I was promised a credit boost. I got approved for cars and promised they were going to get paid off but eventually I realized I was in XXXX big scam. Cars were put down in my name for some one elses selfish gain
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

EQUIFAX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on equifax dispite proof by creditors that's duplicates and accounts are paid ie XXXX  XXXX XXXX XXXX XXXX etc.
Consumer complaint received 2022-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NC)

After reviewing my credit reports I noticed that it was an account from ENHANCED RECOVERY CO L reporting negative on my report. I reached out to Enhanced Recovery Company , LLC along with their CEO XXXX XXXX and XXXX XXXX XXXX on multiple occasions to get more clarification on the unknow debt, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice. 
My attempts have seem to fall on deaf ears without any proof of verification of this debt or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the valid proof that I owe them anything and they have the legal right to be reporting this negative information on my credit report. 
The location communications were sent is XXXX XXXX XXXX XXXX, FL XXXX. I also disputed it with the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/XXXX I returned a phone call because Id received a strange message from a number indicated as XXXX where an XXXX claiming to be from XXXX XXXX was calling to inform me that theres a docket number XXXX however not regarding where, what for, why just Id only be given two attempts to resolve so of course I wanted to know what was going on. I became sick from my nerves because of this message seeing as theyd called after hours and left this voicemail Id figured it was something I was missing I called that number back where no one not one would fully confirm to what establishment I was calling to. 
They transferred me to a male where he basically was trying to get me to agree to pay a debt thats way past Statued of limitations/time barred saying its for XXXX XXXX XXXXXXXX XXXX 
I dispute this claim seeing as hes mentioning under Florida law theres no Statued of limitations on this debt where I question him since Ive only returned to Florida after 20 years and only been back to the state not even 2 years and I havent had any affiliation with XXXX  XXXX XXXX perhaps over a decade. He was telling me they were going to garnish my wages despite the fact that I disclosed Im disabled, on disability, not working and theres definitely a Statued of limitations here and he claims the case was opened in XXXX where again Ive not had ANY active account with them for a very long time so Hes talking over me, threats, trying to scare me and tries to say I knowingly wrote a bad check and I stopped him saying who writes checks anymore and again hes wrong this isnt a mediator this is a lying debt collector because all this is invalid. Hes reading me my social security number trying to get me to confirm my address here and old address trying to get me to pay or their coming for me and all of this is false. 
I know portfolio recovery services have been harassing me as well as Ive put in credit disputes indicating the same on Statued of limitations but its not been any XXXX XXXX XXXX on my reports so thats false information and scamming beside the fact these companies continue to harass me when Im not working, theres a Statued of limitations on them it has to be from XXXX any debts portfolio recovery wouldve purchased and with each dispute their marking it as new debt in my reports when it is NOT and I dont have ANY XXXX XXXX XXXXXXXX account in years years beside which Im income contingent, unemployed, disabled and their ruining my credit further Im trying to fix where not to XXXX XXXX XXXXXXXX or ANY old original debtor have I ever meaning NEVER have I given permission to sell my information to any third parties and all my secure information as in social security etc I want it to stop
Consumer complaint received 2020-08-25
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: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-07-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-03
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. (GA)

Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT XXXX WILL BE SUED and lawyer will be contacting XXXX if these items are not removed in the next two weeks!!!!! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX Westlake financial to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX2021 and XXXX/XXXXXXXX2021
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PDQ Services, Inc. (GA)

PDQ Services, Inc reached out to me in 2020 regarding a medical debt from XXXX XXXX XXXX Associates. I sent them a letter challenging the debt and PDQ Services , Inc proceeded to put the negative remark on my XXXX report anyway. After noticing the negative remark on my credit report, I sent a second letter for debt validation and they responded to me after 90 days with a copy of some paperwork from XXXX XXXX XXXX XXXX which gave details regarding my medical history which is against the HIPPA Act laws. I am requesting that PDQ Services , Inc. remove any negative information off of all consumer reporting agencies associated to my social security number.
Consumer complaint received 2022-12-03
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. (GA)

XXXX agreed to remove this account from all three credit bureaus after personal Check cleared the bank for payment. There is a written statement on the check which states if you cash the check you agree to zero this account out and remove from all three credit bureaus. XXXX deposited and cash that check so they agreed to the terms of written statement on the check. If XXXX account is not removed I will take them to court for not adhering to the statement on back of the check. I made copies and Im sure they can verify that as well. XXXX had 10 days to have this account removed. I spoke with the court house I can actually sue for the check amount and for punitive damages and I will if this account is not removed immediately.
Consumer complaint received 2022-12-03
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. (GA)

XXXX agreed to remove this account from all three credit bureaus after personal Check cleared the bank for payment. There is a written statement on the check which states if you cash the check you agree to zero this account out and remove from all three credit bureaus. XXXX deposited and cash that check so they agreed to the terms of written statement on the check. If XXXX account is not removed I will take them to court for not adhering to the statement on back of the check. I made copies and Im sure they can verify that as well. XXXX had 10 days to have this account removed. I spoke with the court house I can actually sue for the check amount and for punitive damages and I will if this account is not removed immediately.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

Target called me and reported I filled out application for XXXXXXXX XXXX XXXX  with my SS #, Address, personal info. XXXX XXXX all checked my credit per XXXX!
Consumer complaint received 2022-07-13
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. (WI)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my rights even more, in accordance with the Fair Credit Reporting, 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 address is inaccurate the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to, 15 USC 1681 SECTION 602 ( A ). STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ), section 2 : it also states : A consumer reporting agency furnish a account without my written instructions. 

I did not give anybody written instructions for these transactions.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (OR)

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/2XXXX XXXX
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-12-19
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. (CA)

I just received my reinvestigation back from Experian. They said everything is 100 % completed and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account Name : XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Consumer complaint received 2022-06-03
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. (GA)

Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT TRANSUNION WILL BE SUED and lawyer will be contacting TRANSUNION if these items are not removed in the next two weeks!!!!! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2021-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (AK)

I live in XXXX Alaska. The apartment that I lived in before charged for some damages to the apartment that I DID NOT cause. I only lived there for 2 months. I was never told that I had outstanding charges and I had no idea about them. I was not contacted and this was automatically moved to collections- which is hurting my credit. 

I contacted the debt collection agency - TWICE. I was told to wait on hold and phone shut off, and other time I left a voice message demanding to let me know exactly how this charge was done and prove to me that it was me. But they never got back to me. 

I need to see an itemized list of the 'damages ' that I caused and prove to me that I am responsible. And how can they just move this to collections and damage my credit when I wasn't notified?
Consumer complaint received 2022-12-19
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX 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 accounts 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, other than records of convictions of crimes which antidotes 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 2022-03-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Brock & Scott, PLLC (CA)

To whom it may concern : Before my loan modification in XX/XX/XXXX, I had two separate loans from the same lender ( XXXX XXXX ), one for {$170000.00} and the other for {$47000.00} approximately. These two loans were combined into a new single loan with a low interest rate of 2.0299 % and a total amount of {$240000.00}. As part of the modification, the {$47000.00} loan was waived in exchange for a shared appreciation of 25 %, not to exceed {$47000.00}. 
This means that I am now only responsible for paying back the remaining amount of {$190000.00} at the low interest rate of 2.0299 %. The time of maturity for the loan remained the same at 271 months. 
In summary, my two loans were combined into one new loan with a lower interest rate, and a portion of the loan was waived in exchange for shared appreciation. I now have a single loan to repay at a lower interest rate and the same time of maturity as before the modification. 


Also, as part of my loan modification in XX/XX/XXXX, the lender ( XXXX XXXX ) waived the {$47000.00} loan in exchange for a shared appreciation of 25 %. This means that if I sell my house, the lender will be entitled to receive 25 % of the appreciated value of the property, up to a maximum of {$47000.00}. 
For example, if the value of my house increased by {$100000.00} since the loan modification, the lender would be entitled to receive 25 % of {$100000.00}, which is {$25000.00}. However, if the value of the property increased by more than {$180000.00}, the lender would still only be entitled to a maximum of {$47000.00}. 
It is important to note that this shared appreciation agreement only applies if the property is sold. If I continued to own the property and make payments on the modified loan until it is paid off, the shared appreciation agreement will not be triggered. 
Additionally, my modified loan takes precedence over any other loans, meaning that it is the primary loan on the property and must be paid off before any other loans can be satisfied. Which in fact it was sold through foreclosure on XX/XX/XXXX. Therefore, all excess funds are due to me immediately, because I am the original owner of the loan. 

Respectfully yours XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX