davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

XXXX XXXX XXXX  XXXX ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : XX/XX/XXXX XXXX
Consumer complaint received 2022-09-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (MI)

Car was totaled out from a car accident. The insurance company XXXX told me that they paid off my vehicle. I started receiving calls from the XXXX XXXX Ally Financial saying that I still owed {$100.00}. XXXX says that they paid the car off and that I shouldn't have owed anything. They keep harrassing me raising the cost each month. I am a victim of Hit and Run with internal injjuries and don't have the extra funds.
Consumer complaint received 2022-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XX/XX/22 PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ) furnished my personal information ( identity theft ) and tried to collect an alleged debt from me. I sent letter on XX/XX/22 asking for competent evidence that I have/had any obligation to pay PRA. I received letter from PRA on XX/XX/22 with incompetent evidence nor any debt validation I asked for.
Consumer complaint received 2019-09-06
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (OR)

On XX/XX/2018, I was notified on my XXXX XXXX app that I was Pre-Approved for a {$10000.00} debt consolidation/emergency loan. I applied for the loan that was through One Main Financial. One Main did a hard inquiry on my credit report but never called me, never asked for proof of income verification, never sent a letter of denial, never contacted me whatsoever. Now there is a hard inquiry from this company on my credit report but no loan which I was pre-approved for. I contacted XXXX XXXX by email. They made some excuses but never dealt directly with the issue. Now they show the same loan as Pre-Qualified. I would prefer to get the loan but I don't appreciate the dishonesty of either party.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

TSI is trying to collect a debt that was never owed. XXXX, XXXX, the original company charged me for items they say were not returned, but they were returned and I have proof. Or the " debt '' is for something else. I do not know because it was never established, why the debt was owed in the first place.I have responded on their website that they need to send me proof, unpaid invoices etc but they ignore that.
Consumer complaint received 2019-09-06
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. (NV)

A ex girlfriend and I went into a dealership and put a down payment on a vehicle and both cosigned with the acknowledgement of there was no credit check nor inquiry. 4 months later the put a account on both of our credit reports without consent and state that's just how they operate now and there's nothing we can do about it. I never authorized a credit inquiry nor gave them permission to place and account on my credit report.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Recovery Service, Inc. (GA)

National recovery has not responded to a debt validation request that was sent on XX/XX/XXXX with no response within 15 days that has not been verified have attached information with no name for original creditor no name from the company sold please see attachment
Consumer complaint received 2023-01-30
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to pay a debt not owed You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies. The conduct of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is usury and Extortion and blackmailing me by using my Credit file to coerce me into pay a debt not verified.
Consumer complaint received 2023-07-31
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. (CA)

I'm filing this complaint to tell you that, I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX  , DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX. Please delete these accounts ASAP.
Consumer complaint received 2019-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

To Whom It May Concern/ I received my denial letter for my loan modification on XX/XX/2019 due to not enough income. When I first applied for a loan modification my XXXX XXXX XXXX application was pending. I was recently approved for my XXXX   XXXX XXXX week a ago. My new monthly amount is {$3400.00}. I was told by XXXX XXXX from the Loss Mitigation on XX/XX/19 that my modification was denied due to not having enough income and to many high credit card bills. And I would receive a denial letter in the mail shortly. On XX/XX/2019 I reached out to XXXX XXXX XXXX to consolidate my unsecure debt. XXXX XXXX from XXXX XXXX XXXX set me up on a payment plan enrolled me in the program effective immediately. I submitted my appeal via email to XX/XX/19 @ XXXX. I sent the company the paper work from the XXXX XXXX XXXX and my new income from state XXXX. I have been calling Loan Care and explaining to them I want to keep my place and that I will be on XXXX  XXXX for this rest of my life. It has been a struggle to pay my mortgage because I've been waiting for XXXX  XXXX XXXX to approve my case. I have never been late on my mortgage until I was place on XXXX. I called Loan Care and spoke to XXXX a customer service rep and told her I was waiting for my payment and didn't want to receive a 30 day late mark on my credit report. She told me the company does not report to the credit agencies until XXXX of each month. She said if you make your payment before XXXX the XXXX you will be fine. I said are you sure and she told me yes. I made my XXXX payment over the phone XX/XX/19 with a rep by the name of XXXX. I received a alert from credit report today XX/XX/19 that I was reported 30 days late. I called Loan care today and spoke to XXXX about my the late mark on my credit report. He placed me on hold and spoke to a supervisor and they told me that even-though the rep XXXX gave me the wrong information. I could try and dispute the late mark, but he said it isn't a guarantee they late mark will be removed. I told XXXX since all calls are recorded can they play the call back and verify I was given the wrong information. I have been giving wrong information from different customer service reps and treated poorly I believe because of my XXXX. I feel like Loan Care doesn't want to help me with my mortgage loan. They rather see me lose my house and not help me. I believe its because of my XXXX.
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management has been sending me collection letters for a past due amount of approximately {$430.00}, that I do not owe. This is a bill from many years ago- approximately 6 or 7 years.They are saying ( when I called them ) that the bill is from a store ( XXXX 's / XXXX XXXX  XXXX that is no longer in business. 

XXXX ) I paid the bill -that was approximately {$120.00} years ago at my local XXXXXXXX XXXX store. 
XXXX ) No -- I do not have a receipt now as it has been many years. 
XXXX ) I offered to pay the original amount just to get it off my credit report but that was refused by Midland Management.
Consumer complaint received 2019-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

I am in the Public Service Loan Forgiveness program, and I have made 120 qualifying payments towards my loan, and I have worked full-time for a qualifying employer during this period. I have completed all the paperwork FedLoan has requested, my employers have been approved during this time period, and I should qualify for loan forgiveness ; however, FedLoan is not counting nearly 80 of my qualifying payments. They have not given me a clear explanation as to why they are not counting these qualifying payments, and they have no date for when they will resolve the issue. In the meantime, I am due to pay over $ XXXX/mo in additional student loan payments next year, which I should not be required to pay because my remaining loan balance should be forgiven under this program, and which I will not be able to afford, which risks putting me into default.
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Dispute Request Regarding ChexSystems and Unauthorized Accounts Due to Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute the handling of my consumer report by ChexSystems regarding unauthorized accounts that have been reported in my name due to identity theft. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, which governs the accuracy and integrity of consumer reporting.

Background Information I have been a victim of identity theft, which has resulted in unauthorized accounts being opened in my name without my consent. Specifically, I am disputing the information reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX as follows : XXXX XXXX  XXXX : Reported on XX/XX/XXXX XXXX XXXX XXXX : Reported on XX/XX/XXXX Despite providing ChexSystems with documentation from the Federal Trade Commission ( FTC ) confirming my identity theft status and requesting the removal of these unauthorized accounts multiple times, I continue to receive responses indicating that my disputes are considered frivolous or irrelevant. The responses I received state : A reinvestigation of the disputed information was already completed. 
The nature of the dispute has not changed. 
ChexSystems has provided notice of the results of the previous reinvestigation. 
If applicable, ChexSystems has requested supporting documentation. 
This response is unacceptable as it fails to address my legitimate concerns regarding unauthorized accounts that do not belong to me. 

Request for Action I respectfully request that the CFPB investigate this matter further. It is imperative that ChexSystems complies with its obligations under the FCRA to ensure accurate reporting and rectify any inaccuracies related to my consumer file. The continued reporting of these unauthorized accounts not only affects my creditworthiness but also causes significant emotional distress. 

In light of this situation, I ask that you take appropriate action against ChexSystems for their failure to adequately investigate and remove inaccurate information from my report. Additionally, I would appreciate guidance on further steps I can take to resolve this issue effectively. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (GA)

Kia Motors Finance XXXX XXXX Tx Paid loan off 10 months early, on XXXX/XXXX/XXXX Title is recorded with State of Georgia, e-title. 
TITLE STATUS IS UNDER LIEN XXXX spoke to Kia Finance representative. they confirmed account paid in full and closed. title department will release lien on E-title, send me notarized confirmation the title has been released. Title department only works Tuesdays and Thursdays. 
XX/XX/XXXX Kia representative stated an email will be sent to title department to investigate and resolve issue. allow 24-72 hours to research and resolution They only work Tuesdays and Thursdays. Representative will request they send Lien release letter. Timeframe estimate unknown. 
XX/XX/XXXX or about, Two Copies of a letter from Kia stating the final payment had been received and the account status is paid in full and closed. The letters are obviously photocopies. 
XXXX XXXX XXXX took Final Payment letter to Ga Department of Driver Services. XXXX informed the letter was insufficient to have the lien released. It must be original copy on corporate letterhead and signed to be considered for releasing lien. I brought that requirement up with Kia Special Agents when discussing release letters from that point forward. 
XX/XX/XXXX representative is transferring call to Special Agent Escalation Team based on our multiple calls on the same issue. Title Department experienced non-specific errors in clearing the lien. GA DMV would need to be contacted. Kia 's last recorded entry on the claim file was XX/XX/XXXX. 
XX/XX/XXXX Transferred to Special Agent. She stated Title Department has not responded to previous [ internal ] email, then transferred to supervisor. She will try to have a Lien Release Letter sent to address of record. She will ask title department to follow up with Georgia XXXX XX/XX/XXXX Special Agent stated the release request was rejected. Agent would send an email to Title Department to release title electronically then have release documents sent to home address. Indicating this has not worked in the past, the call was transferred to a supervisor. Supervisor explained no one in the Special Escalation Team has authority to directly contact the Title Department. 
XX/XX/XXXX They had not yet heard back from Title Department from last week 's request. I asked if there was a corporate complaint contact. and was provided a mailing address in XXXX XXXX CA. 
XX/XX/XXXX Representative stated the request from the Special Agent Escalation Team was closed on XX/XX/XXXX. Special Agent Escalation Team expressed my claim has been escalated to the Care Department. I will be contacted within two business days. 
XX/XX/XXXX There has been no contact from the Care Department.
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (TX)

I am a victim of identity theft and Equifax was asked to block several accounts that were illegally opened in my name on my credit file ( Confirmation # XXXX ). I noticed on my credit file in XX/XX/2023 that several accounts had re-appeared on my Equifax file. I submitted a dispute with Equifax on XX/XX/2023 requesting that they immediately block this fraudulent account information. To block this information, I enclosed a copy of the police report regarding my identity theft, notarized FTC ID Theft Affidavit, and ID verification documents. The accounts are : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX In my written notice to Equifax, I wrote that " This information does not relate to any transaction that I have ever made. Please block this information from my report pursuant to 605B of the Fair Credit Reporting Act - Your office has 4 days to do so under federal law. On XX/XX/2023 I received notification that the dispute was finished and the accounts had not been blocked. 

All inaccurate Information should have been removed from credit report by XX/XX/2023. According to law disputed information related to identity theft must be removed from credit reports within 4 business days. Police report, Identity theft report, copy of id, copy of social security card, dispute letter, copy of Police Report were also mailed by certified/return receipt overnight mail on XX/XX/2023. All above listed enclosures were also uploaded into Equifax dispute portal on Equifax Dispute Website on XX/XX/2023.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have traded my XXXX vehicle at XXXX XXXX XXXX on XX/XX/XXXX I gave the vehicle In as a trade for another. 
on XX/XX/XXXX I was advised they paid the car off in full but XXXX is reporting the vehicle 30 days past due and this information is inaccurate. Delete this delinquent activity as it is inaccurate and update all the major credit reporting agencies that reflect negatively as this is not true false and misleading.
Consumer complaint received 2019-09-06
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. (FL)

Hello, I opened a credit account with XXXX XXXX XXXX on XX/XX/2019. A lady named XXXX opened the account for me. Within a few days I looked at the account online and I noticed a {$5000.00} cash advance had been made from the credit card which I never asked for or approved. I used the card a few other times for small purchases. 
I immediately went into the branch and tried to get the charges reversed. It took a few visits for them to post the payment to the credit card. I am in the middle of trying to apply for a mortgage and buy a home so this couldn't have happened at a worse time. It has taken a month and many visits and phone calls to make any progress at all within XXXX. 

As a result of this my credit score has dropped 100 points because of the maxed out credit card and XXXX still has not reported to the credit reporting bureau that I have repaid the loan.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MD)

On XX/XX/2022, I used the western Union transfer platform to send the sum of {$450.00} to my sister in XXXX, XXXX to pay my mothers medical and other sundry bills. According to the terms of the transfer, western union affirmed that the money would be delivered to my sister, XXXX XXXX XXXX XXXX account in XXXX Bank XXXX XXXX on XX/XX/2022. I was issued with a transaction and XXXX # XXXX by western union. In line with western unions delivery date of XX/XX/2022, my sister went to the nearest XXXX Bank to her residence on this date to confirm if the {$450.00} I sent has been delivered to the Bank and to pick up the money. She was however told by the Bank XXXX who oversees the western Union XXXX XXXX and international transfers, that there was absolutely no transaction associated with the XXXX number I was given by western union. My sister immediately called to inform me that the {$450.00} I sent to her through western union was not given to her by XXXX Bank because there was no transfer from western union to support the transfer. I then frantically called the western union XXXX here in the XXXX on XX/XX/2022 to find out the status of the money I sent to my sister through them. I was told by western union that it typically takes about 2 days from when the the Bank arrives in XXXX to process the delivery of the money to the recipient. In this context, western union said that I should tell my sister to return to XXXX Bank in XX/XX/2022 to pick up the money. Consistent with western unions advise, my sister again returned to XXXX Bank on XX/XX/2022 to pick up the money. The XXXX Bank XXXX transfers XXXX checked through the system and again told her that the said money has still not been sent to them and added that there was no record of the transfer. Bottom line, my sister left the Bank without the money. Before she left the Bank, I was able to speak with the XXXX Bank XXXX who confirmed that there was no record of my transfer in the system and told me to call western union to find out the status of my transfer. At this point, I because utterly frustrated and called the western union to complain about the non-delivery of the {$450.00} I transferred to my sister through them and humbly demanded that the money should kindly be refunded to me. They raised a case with case number XXXX and told me that they would contact the Bank XXXX Bank in XXXX to find out the status of the delivery and consequently refund the money to me. I want western union to refund my {$450.00} ( they can keep the transfer fee ) for their inability to deliver the money to my sister. I have repeatedly called western union to ask for my money and they have still not refunded my {$450.00} to me. I will therefore greatly appreciate if you could kindly intervene in my behalf and ensure that the {$450.00} which they have still not deliver to my sister is refunded to me.