davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX an artificial XXXX tree was delivered to my house. my wife notified me of a package we did not expect. I left outside thinking it was delivered by accident. the shipper was wayfair and I called wayfair to notify them of this. 4 hours later, the XXXX tree was taken from my porch. I called wayfair to notify them again it was stolen. Wayfair did not tell me anything was wrong. I called again XX/XX/XXXX and was told the item was from a new credit card. I told them I did not open this card and it was FRAUD. they told me a sofa and another item was coming as well. I repeated please stop the orders because they are not mine XX/XX/XXXX, wayfair delivery tries to deliver a {$3000.00} sofa. I tell the delivery team it is not mine and this was supposed to be closed for fraud.I called wayfair XX/XX/XXXX and told them this shouldnt be happening it was fraud, they tell me another item is coming but that will be canceleld and dont worry. 

on XX/XX/XXXX, I receive an alert I owe money on this credit card. I called wayfair they then notify me the account was deemed NOT FRAUD. I then went to the police station that day and received a police blotter. I sent wayfair the police report. I called wayfair again today XX/XX/XXXX and wayfair says its not fraud again. i told them again it was not opened by me and they will see. now the deliquent charges are showing up on my experian report.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy. 

15 U.S.C 1681 section 604A section 2 it also stated a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction.
Consumer complaint received 2022-07-17
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. (FL)

On a recent review of my credit report I discovered XXXX XXXX issued late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. At the time I was living at : XXXX XXXX  XXXX XXXX, CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX and I was laid off from my job. These mandatory stay at home orders were in effect until XX/XX/XXXX and I never regained my previous position at my employer. I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and the loss of my job because of it. I will include my account number with XXXX  XXXX on the attachment.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (IL)

Every other day they text : XXXX Deposited a new message : " We have an important message from National Recovery Agency. This is a call from a debt collector. Please call XXXX XXXX XXXX. Again, please call XXXX XXXX XXXX. '' Click here : XXXX to listen to full voice message.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy. 

15 U.S.C 1681 section 604A section 2 it also stated a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction.
Consumer complaint received 2021-10-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have incorrect information on my credit report that's costing me financial injury. I can't get a job apply for housing or credit cards. According to the FCRA several laws where broken
Consumer complaint received 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc. (AR)

This is concerning a loan at Americas Car-Mart . Purchaced a XXXX XXXX XXXX, vin # XXXX on XX/XX/XXXX with high mileage of XXXX, XXXX for {$8900.00}, a service contract for {$620.00}, service and handling fee {$35.00}, a debt cancellation agreement, with {$400.00} down pmt. Financed amount for total of {$9800.00} with an interest rate of 16.50 % ( {$2400.00} ) total of {$12000.00}. Weekly payments of {$85.00} ( XXXX ) that start XX/XX/XXXX and end XX/XX/XXXX. On XX/XX/XXXX the vehickle was reported stolen to XXXX XXXX XXXX XXXX. Incident report # XXXX. Report was available on XX/XX/XXXX and taken to Americas car-mart at XXXX XXXX XXXX, XXXX, ark. XXXX, and given to the clerk XXXX XXXX to make a copy for XXXX and XXXX XXXX, finance officer and manager. She told me to continue making pymts and had me sign an arrangement which I contested and argued about the debt cancellation I purchased which was for this protection if it was stolen. She never got back to me to tell me if I was covered and so I called and she said that they were not going to honor it based on that I was trying to sell it and it was suspicious and I said that I meet all the criteria and reporting for this agreement. I was getting my credit repaired and back to. A good rating when I saw they reported it to credit and listed as derogatory not paid. I called home office in XXXX and they were going to investigate and never got back with me and screened me out. I reported to XXXX online to mediate this and get it off my credit report. XXXX months passed and I recieved a letter from XXXX XXXX hospital security that I needed to move this vehickle that was stolen, I called car-mart and they went and got the vehickle, auctioned it off and added to what they say I owe of amount {$5900.00} now {$6400.00} and have it listed on my credit as a Repossession!!! I am enraged and cant believe e the nerve. I had XXXX months of pymts left. If they arent going to honor an agreement they pushed on me and not even refund that amount from what was owed and sell it for nothing to make sure of a debt, is discerning. This company has a triple XXXX rating and have forums that range in the thousands for customer complaints. I dont know how they can be in business with high interest, unhonored agreements they push that cost me {$1100.00}. I just want them to clear my credit and pay for the damage and loans I cant get because of this. I have read about other class action claims one called XXXX, XXXX Tx. Cant remember other one that is exactly the same thing that was done for gap. They think that no one because of poor credit is why you buy from them, and I hear they only submit some to credit bureaus and try to keep you down if they feel you may sue.
Consumer complaint received 2020-07-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (CO)

American Credit acceptance is who our car loan is through. They have the following message listed on their website : When you call to let them know that you are having difficulty due to COVID-19 they tell you that you have to go through approval to get any type of assistance. The only assistance they are willing to assist with is not reporting any late payments to the credit bureaus. They told me that because my son and I are working some hours and bringing in some sort of income there is no reason why we cant pay the car payment. They have called my son repeatedly and threatened to repo the car because he is half a payment late. When I asked them about this, they told me that they are allowed to use this method to get a payment. The below information is completely false and they are not willing to assist their customers. We were told that the calls will continue until we are caught up and they will not stop. If you review their XXXX reviews and XXXX reviews there are multiple people who are reporting the same information. 

As a valued customers who may be affected by the COVID-19 virus, our immediate concern is for you and your family. Please take precautions to protect yourself and your loved ones. If you encounter financial difficulties as a result of this virus, we encourage you to go contact us at XXXX to discuss options available to help with your individual needs. 

The health and wellness of our associates is also of paramount importance. We ask for your patience should you experience longer than normal hold times. Our goal is to serve you as efficiently as possible. We encourage you to utilize our customer portal through our website at myloan.acacceptance.com to manage your account and to make payments online
Consumer complaint received 2022-06-14
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX, 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 account without my written instructions.
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

In accordance with the Fair credit reporting act XXXX  account # XXXX ARS Account Resolution 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 an account without my written instructions It is listed on my credit report 2 times and for the following 2 different amounts. {$1300.00} & {$370.00}
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

Loan # XXXX Cell # is XXXX Name : XXXX XXXX I am going through a difficult time where I have been out of work for over 3 months and expectthis to be like this for many months, if not years.Since XXXX of this year, but COVID-19 just made it even worse. My city is on stay at home orders indefinitely. 
I have contacted this bank in 3 different occasions. On the first time, someone ( with an attitude of course ) did the forbearanceplan. Then I called today and spoketo 2 different agents who are extremely cold, insensitive and extremely unhelpful. This goes very well with the complaints that many other customers have had on XXXX  and with the CFPB. 
See the problem is not the information, is their attitudes, they are obviously not responding to people 's concern, customer service is something that they do not understand. Regardless of what notes they wrote, they know very well how they behave. 

This bank 's complaints have a long history of negative reviews, litigations and complaints with XXXX  or CFPB. Given my case and how the agents act over the phone, it makes sense. They are rude and unhelpful and want us customers to vow to them.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I noticed unauthorized inquiries reporting on my XXXX and TransUnion that needs to be deleted. I filled out an FTC report which I will attach mentioning the referenced inquiries and pursuant to the block of information section of the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681c-2 these inquiries had to have been deleted within 4 business days of receipt of my FTC report so I would appreciate this to be done promptly to avoid the continuation of XXXX and TransUnion continuing to violate federal law.
Consumer complaint received 2022-09-16
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. (NC)

Acct : OFFICE OF THE ATTY GNE I submitted a dispute for an account that is was Closed in 2021 which was Removed from my credit report also and then put back on my credit report without 5 days notice and has not been verified at all I have went so much as sent a validation to the company on my credit report and never received any documents showing my signature for a contract or anything what so ever. On XX/XX/XXXX I filed an dispute on this same account and on the same day they came back saying that the account was verified THE SAME DAY
Consumer complaint received 2023-01-09
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-09
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account numberXXXXXXXX XXXX  Account number:XXXX XXXX XXXX  Account XXXX, XXXXXXXX XXXX Account numberXXXXXXXX XXXX XXXX  Account number : XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc. (KY)

Received a call from XXXX XXXX this morning at XXXXXXXX XXXX from phone number XXXX. They were trying to collect a debt which was paid in full to Client Services on XX/XX/2023. After staying the debt was paid in full I the agent continued to ask me personal questions. I asked why she needed this info since the debt was paid and I would forward an email confirmation to her. She stated that collection efforts would continue until they got the payment. I told her they are not allowed to contact me again and if they do, I will sue them for the maximum amount I can recover. I was them given their email address to forward the conf to : XXXX. 
I believe the time of the call is outside of the allowable times for collection calls and also believe I was threatened with further legal action over a debt which has been paid. Client Services, XXXX, reference number XXXX had been previously handling the account and that's who I made the payment to. 
Thank you.
Consumer complaint received 2021-01-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carvana Group, LLC (PA)

I reached out to carvana to correct a debt issue that they don't have the the original contract nor did they provide me with a original contract, as they are a extension of the creditor of the consumer credit transaction. They didn't give a notification that the alleged debt they were trying to collect, was a debt as a consumer using my federal credit card meaning any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit for entering this consumer credit transaction with an open-end credit plan and used for household and personal use. They put obscene symbol 's and use obscene language on the copy contract that could of be daunting to the eyes as well. Carvana has violated me as a consumer in the corporation and needs to be held legally accountable for their deceptive actions as a debt collector they are. I am requesting the agency to work with me the consumer under the guidelines Fair Debt Collection Practices Act and amendments to the Truth in Lending Act or else i will pursue federal litigations if need I re enforcement on the facts of federal law.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (KS)

On XX/XX/2020 I made a purchase from the merchant XXXX XXXX XXXX  {$1400.00} was charged to my Discover card. This card is set up through my XXXX account. After trying to obtain information requested to return the item within the 30 day return policy period and not getting a response from the merchant, I filed a dispute with Discover. After filing the dispute, XXXX sent an email indicating they had been notified by Discover that a dispute had been filed and would not handle the dispute since I filed the dispute through Discover. After several e-mails back and forth with the merchant, I was finally able to return the merchandise which was received by XXXX XXXX XXXX on XX/XX/2020. In the meantime, Discover ruled in the merchant 's favor and resolved the case on XX/XX/2020. On XX/XX/2020, I contacted Discover and spoke to a Customer Service Associate, told them the merchandise had been returned so I should be credited the amount. They instructed me to upload documentation supporting that I returned the item and to call them back once I did this. I did as instructed, called them back but was told that because in an email the merchant stated they had refunded my XXXX account, they could not credit my account and I needed to contact XXXX. I explained that I never received a refund via XXXX. Furthermore, XXXX is a pass through when using a credit card, therefore, the amount would not be refunded to my XXXX account. I didn't use XXXX funds, I used my Discover card. And if they had refunded me as they claimed, they would've provided me proof when I disputed that I hadn't received a refund, but they clearly lied because it would've went back on my Discover card. I was then told that they needed proof that the returned merchandise went to a physical address since XXXX tracking only showed the city and state of delivery. I contacted UPS who sent me proof of delivery to the address on the shipping label which I uploaded to my Discover site. This was reviewed by another CSA and I was told that this was sufficient and that they would need to have a Team Manager review and then reverse their dispute decision. I was supposed to  have been called back and never heard from anyone. I called the following day to speak with now a fourth CSA only to be told that once again, they can not credit my card due to the XXXX email. So now, the merchant received the item and my money! I went through all of this rigmarole just to be right back to square one. I've checked my XXXX account 's Resolution Center that shows a case history and the info is updated based on Discover 's investigation. It states that the case is closed and was decided in the seller 's favor.
Consumer complaint received 2020-06-25
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: WELLS FARGO & COMPANY (CA)

My complaint is about Wells Fargo account which is fraudulent account in my credit report already 2 years, and I'm disputing this account 2 years, nothing changes I call to XXXX, explain them what happend, Also did priority mail to Wells Fargo, requested documentation how they verify this account. Anyway I don't get any respond from bureau and from Wells fargo, They verify account anyway, without sending me proof. I'm thinking that my rights have been violated and looking for your help, Need to say that I don't have any negative account in my credit profile, Only this account some how added to my credit report. I think you guys have power and you can solve this problem for me. 
Appreciated for your business ..
Consumer complaint received 2020-06-24
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. (CA)

I was checking my credit report today XX/XX/2020 because I was going to apply for a loan but I saw eleven accounts on my credit report that do not belong to me ; I had no idea these accounts were on my credit before today because I never gave anyone permission to open them in my name nor did I ever sign any contract or agreement with any of the companies I listed on this report. I am not affiliated to any of these companies and I did not give them permission to run or access my credit information. I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of the balanced on these accounts. I don't know who could have got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting these unauthorized accounts resolved.
Consumer complaint received 2020-06-25
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX  XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}