davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
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: Santander Consumer USA Holdings Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CREDIT ACCEPTANCE CORPORATION (IA)

I XXXX XXXX entered into a consumer credit transaction with Credit Acceptance Corporation on XX/XX/2010. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. Credit Acceptance Corporation then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Consumer complaint received 2022-08-20
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: Aldous & Associates, PLLC (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. This item not related to any transaction completed by me. The company ALDOUS I have no idea who they are. My Social Security number, my date of birth, and other sensitive data has been compromised by all three major credit reporting agencies which include XXXX, XXXX, and XXXX XXXX and all three agencies have had data breaches. I have filed an FTC report and a police report with my local agency.
Consumer complaint received 2021-02-25
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. (OR)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2022-10-18
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2021-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've been disputing fraud accounts on my credit report since XXXX 2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the Credit Reporting act XXXX Account 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 account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

On XX/XX/XXXX -A unauthorized transaction was made where google it showed XXXX taking XXXX $ when. I disputed it chime gave me a provisional credit but then later reversed it when I did my own investigation XXXX told me the transaction was never completed and provided a transaction Id. Chime mad my account almost XXXX . When my SSI got deposited they took all of it for my account being overdrawn. They keep opening my credit builder account without my permission and not reporting the correct account information or payments made every month. When I told them they refused to correct any of the issues. I became XXXX  cause how they grossly and purposefully handled my funds.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

In XX/XX/XXXX, My discover credit card ends in XXXX was stolen then used for 300+ fraud transactions in two months. Throughout the time, Discover never sent a fraud alert about any of these fraud transactions. Since I enrolled in autopay, I paid two statements for {$5100.00} in total In XX/XX/XXXX after I found my credit card is stolen, I called Discover to report the fraud. I also called police to initiate the case with a police report. 

In XX/XX/XXXX, I was contacted by Police that they found the criminal who stole my credit card and police report is completed. 

In XX/XX/XXXX, I was contacted by District Attorney that a court case is initiated. 

In XX/XX/XXXX, I was contacted by District Attorney that the court has determined the criminal guilty. I was sent a completed police report with all the evidence including video footage, receipts showing the fraud. 

In XX/XX/XXXX, I was contacted by District Attorney that the criminal plead guilty. 

Throughout the timeline, I've contacted Discover for more than 20+ times updating the case and sent all possible documents including police report, court notice, District Attorney contacts, Police officer 's contact. Yet every time Discover still concluded that there is no fraud on my account and the investigation was closed. Several reasons they provided me : 1. Not enough information to determine the fraud. 
2. Discover isn't responsible for the fraud. I should pursuit my money with the court and the criminal by myself. 

One thing needs to be highlighted is that in XX/XX/XXXX, I was contacted by a manager in Discover customer protection department called XXXX. XXXX rudely accused me of continuously disturbing their work by calling their department frequently. When called about why the investigation is closed and why it's determined no fraud, XXXX refused to provide any reasons and tell me to resolve it myself. XXXX hanged the phone without notice after.
Consumer complaint received 2022-09-20
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: EQUIFAX, INC. (GA)

This is ridiculous! The Credit Reporting Agencies have failed to properly conduct an investigation in order to have the disputed fraudulent accounts and information that are reporting on my Credit File. This CFPB complaint is already my 10th CFPB complaint requesting the same request over and over again, and yet they are still indicating the dispute accounts and information. Under the fair Credit Reporting Act section 605b, the Credit reporting agencies are required to remove the disputed accounts and information that resulted due to identity theft. However, the Credit Bureaus have claimed that the disputed items were verified without sending me copies of proof of verification or any documents bearing my signature. This action of the Credit Bureaus is a clear violation of a consumer 's rights which protected by the Fair Credit Reporting Act. I previously contacted the Data Furnishers and they verified that the disputed items are reporting erroneous information in some way or another. I am now submitting this CFPB Complaint to request that the Credit reporting agencies completely remove the disputed accoutns and information from my Credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00XXXX XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$4000.00} XXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX  XXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX Inquiry Date XXXX. XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2021-09-07
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. (PA)

Accounts were reported as late the month that they were consolidated. They were in administrative review until that time, then in XX/XX/XXXX all of them were marked 90 days late and closed to open the newly consolidated account. I have had trouble purchasing a home because of these 11 90-day late marks. 

I have disputed it many times but they say they didn't report it late and can not see my credit report even though I submitted it to them in XX/XX/XXXX. 

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10. XX/XX/XXXX 11. XX/XX/XXXX
Consumer complaint received 2021-07-15
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: General Motors Financial Company, Inc. (TX)

GM Financial continues month after month of reporting an account on my credit file that I never signed for. They sent a copy of a lease agreement with addresses and signatures that are " not '' mine. I've sent them everything I can to show them that all the information that they report that would be attached to that particular document does not match any information of mine ; the address on the document is one tha that I've never lived, the but signature is not mine and they never attached a drivers license, State ID, or any other picture form ID with matching signature or addresses to the document they sent through the CFPB portal. GM Financial, XXXX, and XXXX, as well as the CFPB are complicit in this fraudulent activity. It's a shame that the CFPB uses passive enforcement to regulate consumer protections as my credit file is harmed by the same entities that you are bound by law to regulate and enforce. The FCRA states that the burden of proof lies on the creditor in a consumer reporting challenge and yet GM Financial, XXXX, nor XXXX  have not presented any justifiable evidence proving that this GM account belongs to me. They sent to me a filled out credit application and a billing statement. That's not concrete enough evidence proving their false claims.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am making this complaint about the credit reporting agency Transunion. I had an account/auto loan that was on my report with XXXX XXXX XXXXhat didn't belong to me and was completely inaccurate. The account was successfully removed on XX/XX/2021 after multiple letters sent with proof of the account being unrelated to me. On XX/XX/2021 the account that was removed was reinserted on my Transunion report ILLEGALLY. As required by the FCRA, the CRA must send me written notice of the reinsertion within 5 days. The mark was removed and I have sent prior letters informing Transunion of this and I have not received any response or have had the item removed from my file. I am now making this a legal matter and am prepared to take this up with an attorney and sue for damages by Transunion. Please remove this immediately, as I will do what I need to in order to protect my rights as a consumer.
Consumer complaint received 2021-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Attention : Please help me with this matter. The information reported on my credit is not accurate. All 3 bureaus are reporting different information. I have sent letters to the credit bureau asking for an explanation but have not heard anything back. This matter was addressed over 30 days ago. Please help. I have sent follow up letters to each bureau.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc. (VA)

The student loan account balance is incorrect. It shows balance total on my credit report is {$11000.00}. It should be {$6200.00}. I can not get XXXX XXXX credit reporting to correct it
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Below I am copying the information that Experian keeps reporting, no matter how many letters or calls I have made to have this information removed and updated correctly. 

Each time they say updated, they change the date of last activity. This is illegal. 

Not one of the bureaus has sent me any information on how they verified anything. Now, since my last letters to both XXXX  and Experian, XXXX  has deleted this account. I sent a follow XXXXuite letter to Experian and still not even a response. XXXX  never was able to verify or send me any information. I have been disputing the information below that is reporting inaccurately since XXXX of XXXX. 

I have sent letters and certified letters and all I get from Experian is updated. Updated to what? They update nothing and just type the same information over and over again. I get no responses at all from none of my letters from Experian. I get a letter or post card that states how they investigate, yet I get no proof of documentation or validation. All bureaus are not contacting the creditor to get accurate information. 

I mailed letters out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting information be removed or cleared up. 
All the information is conflicting and no-one wants to help. I feel unvalued as a consumer, and violated. I have sent additional letters to all three bureaus as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Absolutely no updates or removal. Still reporting inaccurate information and also is causing me credit worthiness. Reports are showing derogatory debt.
Consumer complaint received 2022-08-20
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. (AL)

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AFNI INC. (TX)

Prior to XX/XX/XXXX I was with XX/XX/XXXX for home dsl service. I moved in XXXX and left owing no bill. By the time I got settled, able to take off work, and instructions on where to send the equipment back to covid happened and I couldn't go to the post office to send them back. On XX/XX/XXXX I received a hit on my credit from XXXX XXXX. Then on XX/XX/XXXX I received ANOTHER hit on my credit from XXXX XXXX XXXX  saying I owed XXXX for XXXX XXXX XXXX and they said it was equipment charges for failure to return. Both collection companies were claiming I owed for the same thing. I paid XXXX XXXX  XXXX  in full XXXX on XX/XX/XXXX. I have a letter from them confirming I paid in full. I forwarded that letter to XXXX XXXX a rep for XXXX XXXX on XX/XX/XXXX and she responded back saying she wasn't finding anything with the information. I then responded back with other identifiers and never heard another word until today XX/XX/XXXX when a company called AFNI reported the same XXXX that I was disputing with XXXX XXXX on my credit as a bad debt. When I called them they immediately opened a dispute and investigation. I then called XXXX XXXX back and spoke to a manager that said thatXX/XX/XXXX had closed the account with them as unpaid. They further told me that XXXX XXXX XXXX told them that I had two accounts that I owed for equipment which i only had one account.. Yet both AFNI and XXXX XXXX are reporting the same debt negative on me. I called XXXX XX/XX/XXXX today and they can't even find the information because they misspelled my name on my account, another issue I had with them correcting and I had service for a while. I have emails, letter copies, numbers and addresses for all of these companies involved. XX/XX/XXXX has correctly reported this as paid in full so they're not the issue.
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

XXXX XXXX XXXX XXXX I seen this debt on my credit report so I contacted them on XX/XX/XXXX spoke with representative and asked to settle this account for 50 % of {$450.00}. She replied saying she would check with XXXX, I was placed on hold when she returned her reply was with instructions to email her XXXX with this agreement, I did this was XXXX when I sent email. I received response back stating I must have payment in office by no later than XX/XX/21 or the agreement would be void and do I agree. I sent email back stating I dont agree I need time and me reaching out to them on my own free will was to see if they would even accept my offer to pay 50 % of debt and thought after they accepted we could work out a time and date frame too when they could expect payment. Which in email I stated before or by XX/XX/XXXX the latest. I also reminded the XXXX we are in the middle of major pandemic. 

People have lost jobs and some have had hours cut, I fall in that category as a front line worker I would think they would be respectful and pleased that someone is taking some responsibility to try and settle their debt. Companies of this sort are purposely holding people back keeping them from being able to move forward. I feel there response was a passive aggressive response and it make me think how many others they are treating this way using this bully tactic.