davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the XXXX XXXX XXXX Experian Information Solutions , Inc ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 

Account Name XXXX XXXX XXXX Account Balance XXXX $ Date Opened XX/XX/XXXX Account Name XXXX XXXX Account Balance {$7.00} Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX
Consumer complaint received 2022-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Weve had an auto loan at XXXX ( not by choice ) for a year now. Of the XXXX payments, XXXX have been late totaling over {$200.00} in late fees. The reason Id like an investigation is the barriers the bank places on its non-customers. 

As a XXXX  XXXX XXXX customer, I must log into XXXX website to initiate single payments. Under payments, this language outlines their policy : Payments made with external accounts are not eligible for recurring payments at this time. 

The letter I received in the mail offers Auto BillPayer and instructs me to call a toll-free number. In line with the inferior customer service weve already experienced, the Auto BillPayer is only open M-F, XXXX. Of course, its bankers hours. 

Finally, after getting connected with them, the tell me I must download a Word document, print it, complete it, and either MAIL or FAX, yes FAX it back to them. Its these incredible barriers that have me concerned. With a XXXX note, averaging XXXX late payments a year, thats potentially XXXX late fees at {$73.00}, or over {$1300.00} in fees in the term of the note. No wonder they want to put barriers like printing and faxing for non-customers its a tremendous profit. 

Its incredible in 2022 that XXXX answer is printing and faxing Word documents, but when you see the true reason, profits, its easy to see the motives.
Consumer complaint received 2022-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

LVNV FUNDING *Account Open Date, XX/XX/XXXX XXXX This is a fraud account. I've never had account with nor giving access to my personal information. I've disputed with all credit bureaus. This is still listed on XXXX report. This account is in violation of FCRA. I want this removed completely from my credit report.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX and experience all those companies right there mess me up I was trying to buy a house and I know I had a XXXX score and they keep saying that they didn't investigation they didn't do no investigation to people doing a lot of lying and they data breached all my stuff from all three credit bureaus have data breach problems my score has phenomenally dropped down to basically XXXX if you could fix that get that stuff I want the correct information I want my signatures I want to see my signature and all these contracts I want verification on every single thing because they're not doing their job I appreciate it very much thank you
Consumer complaint received 2022-12-06
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)

In accordance with the fair credit reporting act XXXX  account # XXXX sunrise credit services, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. State 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 2022-08-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Lendmark Financial Services (VA)

XXXX and have XXXX XXXX XXXX and was forced to stay 2 hours away from home at the Lendmark office to sign the original merger of loans. I did not agree with it and attempted to leave and was followed and harassed and intimidated into coming back into the office after smoking a cigarette ( the loan officer never left me alone while I was outside ) and than upon being forced back inside I was bribed with " lendmark shwag '' ie, cups, pens, referral bonus cards, etc. by XXXX XXXX whom than continued to harass me about my identity and make remarks about me being XXXX. After leaving I had to seek additional XXXX and had an XXXX XXXX XXXX XXXX XXXX and I have lost all confidence in Lendmark being an honest lender. The other issue with the $ XXXX {$1100.00} cash funds were supposed to go towards a down payment on a new/new to me vehicle while trading the XXXX that was merged into the loan, however I was misled and once i recieved the funds I was repeatedly denied credit to get to the goal of the merging of loans. 
I refinanced again after the incident, because XXXX had informed me that a resolution would happen, but than a month went by and I made the first payment or two and refinanced to buy time for Lendmark and myself to comeup with whatever resolution XXXX was referring to. And to this day now I still have no resolution, I am denied credit everywhere ( due to this loan I was forced into signing and refinancing to buy time ). Also, as per the value of the vehicle, the vehicle was CLEARLY understood that it was in " ROUGH '' condition, however Lendmark failed to capture photos during the original loan merger and they only took a photo from more than 3 feet away ( which in auto industry is known as a method to hide dents/scratches/paint fade, etc. ), they also failed to look at the interior of the vehicle and never asked about mechanical ( there reason for not checking mechanical I was told by the loan officer was " as long as it drive to the office to be visibly sighted, it can be financed ''. While the actual XXXX XXXX XXXX value is {$1900.00} as of today XX/XX/XXXX and {$2900.00} at the time of the 1st refinance, and somewhere in between during the 2nd refinance that was done " to buy time to find a resolution '' So far the only offer from the Lendmark office is to pay {$2700.00} via the 10-day payoff letter the emailed and mailed on or around XX/XX/XXXX. 
This loan causes nothing but harm to myself and the issues meet many UDAAP violations on top of Virginia laws and statutes.
Consumer complaint received 2022-12-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In 2019 I had a consumer credit transaction with XXXX XXXX  in XXXX MI and signed an agreement a retail installment contract thats I received without the proper disclosures under truth and lending I was violated and even paid a down payment of XXXX since Ive grown and am now aware and exercising my rights as a consumer Ive spent over XXXX of my hard earned money with this Corp thats more then the XXXX charge itself I have sent credit acceptance a debt validation letter with a dispute letter on XX/XX/XXXX they sent a letter back saying every thing was accurate and there will be no deletions I also an affidavit of truth with exhibits through certified mail I am now awaiting for them to verify the debt and rebuttal my affidavit Ive also sent in a cease and desist Ive recently sent out a billing error dispute letter
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (OR)

Applied for a Nordstrom credit card with a {$60.00} note upon approval. Took over 30 days to get the card and now they are refusing to give me the {$60.00} note. Not my fault. I just called in and was told I have to use the care at Nordstrom too. I look at the disclosure and doesnt say that. This is such a scam!
Consumer complaint received 2022-08-24
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. (NC)

I sent a letter on XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Action Revenue Recovery, LLC (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do any business or extend my credit to this company. I didnt understand the meanings and it was not clear and conspicuous to me at the time. Because of there is no evidence of a debt only these papers of some type of copied papers of statements. The agreement should be voided because I made a uniformed decision and didnt understand. I could have made a better choice if I knew the details in full. 

There has to be more of a better understanding for consumers in these types of situations.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Creditor consistently is not updating my credit report each month and a has a trend of only reporting my account to the credit bureaus when my account is over limit or not paid by due date. 
I only ask that XXXX bank updates my account balance each month with Equifax. 
I have disputed an incorrect balance previously with equifax in the past 60 days. 
During the dispute process, XXXX bank updated my balance to the current balance which was over the limit and not the balance on the statement date. 

Failure of this creditor to update my account as required is resulting in inaccurate payment history, account balance and status which is negatively impacting my credit score. 



Attachments include - 1-Credit card payment history from XXXX electronic statement history 2- equifax credit report showing merrick has not updated my credit account balance since XX/XX/2022.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-09-18
Product: Credit reporting 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)

I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had multiple late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following dates : XX/XX/year> & XX/XX/year>. Also this information is not consistent with all consumer agencies ; as XXXX, transunion and XXXX are reporting different information ; in regards corresponding months and the number of days late. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action. 

XXXXXXXX XXXX ( ACCOUNT - XXXX )
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX XXXX has been charging me late fees forever. I have tried several times to get them to change my payment due date from the XXXX of every month to the XXXX of every month. I get paid the XXXX and can pay the car loan payment every XXXX. They have continuously said that they would change the payment date and they have not. Therefore my payments are always showing up late. and I can not do anything about it. On XX/XX/XXXX I received my next payment I tried to call them again to change the due date and nothing came of it. I sent the payment online on the XXXX but I realized about a week later that nothing was coming out of my bank account I log back in to XXXX XXXX and realized there was an error with my bank account, and I resubmitted the payment therefore the payment did not process until XX/XX/XXXX marking it past 30 days. I have tried explaining this to XXXX XXXX but they have been rude and they are not willing to listen to me. They are very quick to help when they want to get paid, but when I tried to communicate with them that this was an error that I have been paying my car note every month they will not help me and they will not remove this from my or my husbands credit report. They are not being very helpful. I do not agree with they way they have handled this, since this has dropped my credit score XXXX points. That is a lot and it is not ok that this company can do such a thing to a consumer who is making monthly payments every month and there was an error in the processing. I have tried to find proof of the initial attempt but I have none since there was an error the payment simply did not go through the first attempt. They have thrown it in my face that my payments were never on time, even though I have tried to change the due date for a while now. They finally changed the due date to the XXXX once the damage was done because I was very upset, but they are willing to do nothing regarding my credit score and what they have done. I need help in this matter please.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.