davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: IQOR US INC (IL)

I received a letter in the mail XXXX XXXX. The letter stated that Allied interstate LLC is a debt collector and they're trying to collect a debt that I supposedly owe to XXXX XXXX XXXX. Im not sure of any debt from XXXX XXXX, I stopped using my XXXX XXXX  account in Early XXXX of 2022 due to me losing my job. I don't want anything to go on my credit that I didn't have anything to do with. The amount of the debt that XXXX XXXX  is trying to collect is XXXX. I would like to dispute the whole debt.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Dear XXXX XXXX / CCS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (FL)

I have no idea what or who the unknown XXXX XXXX XXXXXXXX is and I can not even get contact information for them. How is this possible? I pay all of my bills and I still have a low credit score! I think the credit rating system is a discriminator by race. It actually says " unknown ''
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a reinvestigation and the Method of Verification for an account on my credit profile through Experian. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2023-02-01
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. (PA)

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 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have presented several letters to Equifax regarding to my personal information. The seem to have not responded to my letters and having make the changes to my personal information. 
They have my name as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
Also they have my work history incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All the address they have are not mines : 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 2021-04-28
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: Experian Information Solutions Inc. (NY)

I started disputing unauthorized inquiries on XX/XX/XXXX. I never got a notification or response from the bureaus so I sent another dispute on XX/XX/XXXX. Still 45 days later I haven't received any type of correspondence from the bureaus so I have decided to dispute again today, XX/XX/XXXX as well as file this complaint.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I notice a Wells Fargo Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission and acknowledgment.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The Credit Bureaus have been ignoring my requests for the correction and update of the disputed accounts that are reporting erroneous information on my Credit File. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to report accurate information and verify the accuracy of the accounts and information on a consumer 's Credit File. Also, the Credit reporting Agencies have failed to respond to my dispute letters that I have been sending to them. These action by the Credit Reporting Agencies is a clear violation of FCRA and is punishable by law. I am submitting this CFPB complaint to request to the Credit Bureaus once more to correct, update and or remove the following accounts on my Credit File that continues to report erroneous information : XXXX FL XXXX XXXX XXXX Owed : {$6000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Also, I have been requesting that the Credit Bureaus send me copies of proof of verification from their investigation of my disputes. However, the Credit bureaus have been failing me and were not able to send me copies od documents I have been seeking.
Consumer complaint received 2022-07-30
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. (GA)

Experian, and XXXX are inaccurately reporting account number : XXXX ( ( XXXX ) on my consumer report. The date of last active is inconsistent- Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX. Remove this account for inaccurate reporting.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

USAA has not blocked transactions from companoes I have told are fraudulent. Specifically, XXXX. I had to transfer all direct deposits form this account and they have repeatedly failed to fix this issue. They are racking up NSF fees that are not my responsibility. I have tried to cancel the account but they have to have so much time in between activity and I cant pay off the transactions befoee another appears even though I have told them I do not want their services and to block all transactions.
Consumer complaint received 2023-01-29
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. (FL)

I have sent out letters on XX/XX/2022 asking to validate the hard Inquiries left on my Credit Reports, respectfully, to each of the following companies XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Not a single company has responded. So I reached out to Experian, XXXX, and XXXX to VALIDATE the hard inquiries, and to provide substantial Evidence and information such as, Signatures, Forms, and applications for the entire month of XXXX and XXXX of XXXX, which was sent formally though XXXX on the XXXX of each of those months, and I have yet to have a formal Response Via XXXX as of today, XX/XX/2022. 

Since I have not received not 1 single letter from the Credit Reporting agencies and or the organizations that have marked my credit I am asking for the Consumer Protection Financial Bureau Investigate the " Hard Inquiries '' on all of my credit reports. If there is no information keeping these inquiries on my account, Then, Per 15 U.S. Code 1681i, this information shall be deleted. 


( A ) In general if, after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Carvana Group, LLC (OK)

On XX/XX/XXXX I went to XXXX ok and traded my XXXX XXXX XXXX in to carvana for a XXXX XXXX XXXX everything was good till I had to reach out to them for a registration form because my paper tag was out of date and I was informed that they were not moving forward with the sale that I had to write a letter to the underwriting team and they would not tell me anything else on the issue I still have no clue why this has happened but this morning I had wrecker service show up to get the car and I didn't allow them to take it till I got my trade in back they won't talk on the phone they won't tell me anything and they are trying to pick up the car without giving me back my car I traded in or a reason why it's even happening they never called or sent any notice saying this is what they were doing I wouldn't of even known if I didn't call them to get registration for tag I've tried reach out several ways no one will talk to me about it its been put on my credit report and they are wanting me to make a payment as well idk what to do please can u help me?
Consumer complaint received 2023-03-23
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: NAVY FEDERAL CREDIT UNION (MO)

Today XX/XX/XXXX XXXX is still investigating, while XXXX is still allowing the Navy Federal Credit Union to post the amount of a loan to be on the credit report which should be off my account due to the 7 year limitation statue from XXXX. I located information of the XXXX XXXX ( XXXX ) who have contacted me about a breach and I was one of the thousands who account was breached. Plus medical information showing that I was unable to work and could not have made payments but was documented on the credit bureaus history I have made ( was fraudulent ) in order to keep the account open and to not allow the 7 year statue not be recognized and the negative account removed the charge off ). Along with XXXX as well, thereby keeping my score, overall low. For what ever reason my account has been in this state, and even when I call to verify I do not get anything corrected. I now am an authorized user to someone else credit card and in good standing and given another credit card with no balance with a different credit card number, yet they are putting the authorized primary account holder information on my credit, but instead of it boosting my credit score, which it should, they are NOT allowing it to do so?
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (FL)

I acquired a Car Loan through Wells Fargo Bank in XXXX  and completed on XXXX 
I was given a unusually high interest rate, and told this was the best they can do given it was my first car loan. I attempted to refinance many times hoping for a lower interest rate, however again I was told they could not given my credit history. I did not have much debt, or credit cards. 
Because of this I continued to pay my car loan at this high interest rates, plus high late fees throughout this time period.
Consumer complaint received 2021-04-15
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: Experian Information Solutions Inc. (TX)

My boyfriend who lives with me had a friend who introduced me to XXXX XXXX who owns go smart print located at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. XXXX told me he was a prior accountant and very knowledgeable about PPP loans and would help me fill mine out. I emailed him my social and banking information on XX/XX/XXXX he asked for and he filed the loan and then changed all my passwords and opened lines of credit without my concent, and I am still in the process of fixing it as we speak. He even filed for unemployment and made a pin and added his banking info so that my unemployment claims go to his account. I called chase snd reported all these fraud charges on XX/XX/XXXX on my business chase account as well as personal accounts. I am supposed to call them back this morning and review the charges again and take further action. I was awarded {$28000.00} by funding circle for the PPP loan but he changed the login information and I believe funding company so that he would recieve my PPP loan. I filed a police report on XX/XX/XXXX by the XXXX Police Department for fraud against this person. I can provide Incident number snd all information for the report when someone contacts me.
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Creditors Service, llc (CA)

On XX/XX/2022 XXXX XXXX from Cascade Creditors Service LLC in XXXX, WA contacted my husband and me about an alleged bill for {$1500.00} from XXXX XXXX of XXXX XXXX a general contractor in XXXX XXXX, from whom we requested a bid for a project but the bid was never received, and no contract was generated so was never signed. My husband spoke with XXXX XXXX and explained the situation and she seemed to understand that because no contract was signed and no work was done that we didn't owe the money. Nevertheless XXXX XXXX sent us a demand letter with {$35.00} of interest tacked on bringing the alleged debt amount to {$1600.00}, and saying the amount was already past due. On XX/XX/2022, well within the 30 days allowed, we sent a response letter via USPS certified mail to the po box mailing address provided on their envelope and on their website, but the letter went unclaimed in their po box and USPS returned the letter to us. In this letter, among other things, we requested that they provide proof that we owe this debt, copy attached. We then emailed a copy of the letter and returned envelope to them at the email address provided on their website but received no acknowledgement We then XXXX 'd the original letter to them at the physical address provided on their letter and on their website but per XXXX  they refused the XXXX  delivery so XXXX retained our letter as we had requested a signature as proof of delivery, tracking information attached. Just today, XX/XX/2022, we finally received another letter via USPS from Cascade Creditors Service LLC, apparently they HAD received our email but they never replied to the email saying it was received. They did NOT provide proof that we owe this alleged debt yet sent another bill, this time for {$1600.00}. We suspect that Cascade Creditors Service LLC is a fake debt collector as they are attempting to collect fraudulent debt and didn't comply with the simplest request of proof of debt. If they are not fake, they do not behave in an ethical manner, and are potentially breaking the law.
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CA)

attempt to collect a debt that I do not have to pay due to me having health coverage at that the time of this date XX/XX/2018 my health coverage is billed for this I had health coverage since XX/XX/2018 name of my health coverage is covered California which I have documents to support my statement. I would like it looking off my credit report as soon as possible.
Consumer complaint received 2021-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (NV)

My ex wife and I purchased a car in XXXX of XXXX with poor credit. I traded in a XXXX XXXX XXXX and placed {$3000.00} down at XXXX XXXX XXXX. I have been paying the payment of {$450.00} every month. As of currently, 3 years later, I still owe XXXX. I originally was paying down XXXX. My loan is through Regional Acceptance and I have an interest rate of 18 %. I believe this is predatory lending.
Consumer complaint received 2021-10-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (CA)

I was involved in an accident where my leased vehicle ( XXXX XXXX ) was deemed a total loss. The accident happened less than two months after we entered into the lease. In connection with the total loss of my vehicle, my insurance company ( XXXX XXXX ) paid Audi Financial Services {$37000.00} the value as of the time of the accident. This was higher than the value of the car at lease signing, which is set forth in the lease agreement as {$33000.00}. Audi Financial Services continued to require me to make monthly lease payments after the date of the accident, when I no longer had possession nor use of the vehicle ( which was a total loss ). Audi Financial Services is insisting that they will keep the difference of {$3800.00}, i.e. the difference between {$37000.00} ( value at time of accident ) and {$33000.00} ( value at lease signing ). Audi Financial Services also refuses to refund me the deposit ( {$3700.00} ) I paid at the start of the lease meant for the full term of the lease ( 42 months ). Therefore, Audi Financial Services will make money off of an accident I was involved in. Audi FS will make money from my insurance company and the insurance premiums I paid. In short, Audi Financial Services will make a profit from their customer 's accident. This is just patently unfair and unconscionable.