davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (VA)

I have disputed several times to show that I paid off Bridgecrest account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.
Consumer complaint received 2022-10-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX XXXX account # XXXX Balance {$44000.00} PORTFOLIO account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX  account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} XXXX account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} XXXX XXXX account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.
Consumer complaint received 2023-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit Management claims I owe them a debt they collected from a XXXX XXXX XXXX, which they purchased on XX/XX/XXXX. They had called me in the spring of XXXX and I verbally told them to cease and desist. The calls stopped and in late XXXX of XXXX, I had received a letter from them which was a " pre-legal noice. '' In that letter it stated I had until XX/XX/XXXX to contact them to make payment arrangements or face possible legal action. This prompted me to file a complaint against them with the CFPB in XXXX, as they were threatening to file negative legal action against me. I had mentioned that I am in a financial hardship in my original complaint against them with the CFPB and they had responded stating that they would table it for 90 days. 

I then was advised by several friends of mine who are attorneys to send them a certified letter of a cease and desist notice, so I did. I then received a letter stating the debt is mine, though I have never heard of XXXX XXXX. See attached file. I know they got my cease and desist letter as I received the green signature card that was attached to be back of the envelop the cease and desist notice was enclosed in. Again see attached files. Their communications again violated my cease and desist order. I had also warned them in my letter that if the proceed with any legal action, I would go to the Indiana Supreme Court Disciplinary Board and file a complaint against the attorney representing Midland Credit Management, should they make the mistake to take legal action. I had three attorneys suspended before and will gladly do it again. I want Midland Credit Management and their subsidiary, Midland Funding not to contact me anymore, I would like them to consider this debt as uncollectible and take it off my credit report. I would also like to see a Federal investigation on the operations of Midland Credit Management, as they use questionable collections tactics and they do not have a good reputation from what I have read. The recent communications I received from Midland Credit Management along with a copy of the certified letter I sent to Midland Credit Management as well as the signed green return card, showing proof that Midland Credit Management received my cease and desist order are in the attached PDF files.
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (AR)

So back in 2018 I decided to purchase my first vehicle ever off of a car lot. I browsed online. I found something I wanted and then I went to XXXX XXXX in XXXX XXXX, Arkansas. They took my info after I told them which vehicle caught my eye. Well I was told I couldnt get the one I originally asked for because of my credit and they would want me to put a higher down payment. Well I done traded my car I was driving at the time in for a down payment on a XXXX XXXX XXXX that they pretty much pushed on me. I seen the car through pictures only and they insisted I get XXXX to go with my XXXXXXXX XXXX  for a down payment. Well I wanted another car. I thought I was being helped by a business with associates I could trust. Come to find out I was sold a car, taken advantage of and legally robbed of money, my car and my credit took a hit well they sold me a car that the motor was going out in. They took advantage of me so they could make a quick buck. I came back to the company numerous times about what the car was doing. They kept telling me it was a wire. Then I took matters into my own hands and had someone else check out the car. The motor or transmission was pretty much done. I went back to XXXX XXXX  and begged them not to do this to me as I was a single/widowed mother/ wife of a serviceman and we were going thru alot of issues that year as it was. Last thing we needed was a car problem that was aloud to hurt us all the way around by law. We they gave me a XXXX XXXX Which was a lemon also but this time it didn't start acting up til about 3 months later. It had wire damage, track stability. Eventually it quit running. Everything on this XXXX was expensive. This company new what they were doing to me and what problems I was getting and didnt care at all but only for themselves just to make a quick buck. I've asked this company to please fix the vehicle and they refused. So I didn't want the vehicle anymore. I was stuck with a vehicle that had so many problems I didn't know what to do. Well now as of today I am being sued for XXXX because of the car loan which is thru credit acceptance. I understand that used cars are as is when purchasing but at the same times these car companies are hurting people left and right and getting away with it. First off, I was getting a car I didn't choose. Yet thought I was still getting a good car which was something to be proud off. Next these car salesmen find us women especially needy ones like me at the time, a quick paycheck. These men lied to me. They even blocked me on XXXX after I begged them numerous times to please help me with this car or give me something else. They blocked me and I was banned from the property. I shouldn't be sued for XXXX amon top ofl being XXXX over on money
Consumer complaint received 2022-07-30
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. (MI)

In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

I also wrote to the Bureaus to remove all non associated addresses, phone numbers, employers and names : XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also wrote to them to remove the bankruptcy
Consumer complaint received 2022-08-09
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (IL)

My XXXX XXXX XXXX get charged, some cheap cigars shops in XXXX I never been and pay anything there, when I reported {$290.00} wasnt my charge, I dont pay my bill because they refunded back, after two months I get changed again with The same company, I call again and reported fraud, Credit card company did nothing about, i and up paying XXXX $ with late payment and interest charge. This was XX/XX/XXXX. 
I had another problem with discovery card in XXXX I get charged {$3000.00}. XXXX some modeling agencies in XXXX, I reported it was going on back and forth more than year, I get so tired with this, credit card company offered to pay $ 50 monthly no interest charge so I pay off {$3000.00}. With was not my responsibility. I pay both cards and they did affect my credit score can you please help me clear up my credit report thank you
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NC)

I have a mortgage since XXXXXXXX XXXX XXXX  from : U.S. Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX There was a charge oXXXX XXXX XXXX XXXX  that no one at the Bank was able to explain to me up to date. This XXXX charge was never explained to me by Lender either, who was XXXX XXXX XXXX A NORTH CAROLINA LIMITED LIABILITY COMPANY. 

I have looked in my loan application forms and could not find this XXXX agreement anywhere.
Consumer complaint received 2020-10-09
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. (DE)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-11-19
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: Credit Technologies, Inc. (FL)

On XXXX XXXX XXXX XXXX XXXX  I received an email from a loan XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wondering if I was still looking to purchase a home., later that day approximately XXXX XXXX. I started receiving various text messages and emails from XXXX XXXX and current credit cards that monitor my credit profile stating that my credit had been pulled by Credit Technologies , Inc in MI. I immediately thought I was a victim of identity theft as I had no knowledge of this company and I had not applied for any loans. I immediately phoned Credit Technologies , Inc to alert them that this was fraud as I had not applied or purchased anything and nor had I authorized anyone to pull my credit profile. The representative then asked me if I knew a company by the name of XXXX XXXX which was the company that requested them to pull my credit profile. I advised them that I would be disputing this inquiry with XXXX, XXXX, and XXXX as I had not authorized anyone at XXXX XXXX  to obtain my credit report. I hung up and called the loan XXXX which emailed me and left him a message, since I did not hear from him, I texted him at XXXX XXXX. he answered at XXXX XXXX. that he would look into it. Later that evening once I arrived at home, I disputed the hard inquiry with all the credit bureaus. I have emails and text messages that state they ran my credit in error and that they would remove the inquiry, but nothing has been done. My last email from the loan XXXX was on XX/XX/22 said he was asked to write a letter which he stated he wrote and would be submitting it later that day and the inquiry would be removed shortly thereafter. I have called all three credit bureaus as well as Credit Technologies who ran my credit and no one has received any letter stating from XXXX XXXX.
Consumer complaint received 2022-04-24
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. (TN)

In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX EQUIFAX Unauthorized Inquiries ( CREDITORS ) Date Of Inquiry 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 


I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (TX)

I have over the past 9 months been trying to get inquires and trying to get incorrect XXXX XXXX  and XXXX XXXX XXXX of my credit report I have been a victim of identity theft and have been in 17 data breaches and I have also had money taken out of my account sometimes the banks give me the money back sometimes they do not. I was hit from XXXX  XXXX XXXX several times my credit has inquires that are not mine i have filed reports and ftc reports disputes after disputes and keep spending money after money and they are not doing what the consumer law states. I give them disputes of information to take off then they add information. there is even right now a double fraud alert with all bureaus and i have file a police report and i have a active claim with XXXX with the credit collectioon ad still nothing. I have been more than patient i demand that these off my report. police report XXXX XXXX 800 pages of issues with all the reports and they are not doing anything about it. XXXX is getting the report. tomorrow XXXX XXXX XXXX. I depand that all the XXXX XXXX and all the information names and jobs get taken off immediately.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OR)

Hi, I was declined the service in the XXXX branch of Western Union because I was not clear on their question which was Do you know a person Im sending money to Even though It is clear that the person ( first and last name ) I was attending to send money is already in the Western Union system. Also, the tailor has no way to identify if I really know the person or not and it is my business where and to whom Im transferring my money. 
The situation is not acceptable. Im paying a fee and should be able to send money without interference from the business Im using to get the job done. 
The XXXX branch has no business controlling me, my money, or my intentions. 
I have a video where the employee declined the service.
Consumer complaint received 2023-03-28
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. (WA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, intrigued by Chases online promotion of Receive 15 Elite Night Credits per calendar year ( https : XXXX? XXXX ), I applied for a Marriott Bonvoy Boundless card XXXX I was approved immediately. Once I received the card, I wanted to find out when I would receive the 15 Elite Night credit, so I called Chase card service to ask about the timeline. Everybody I spoke to was clueless about the 15 elite night credit promotion. I got concerned so I visited the Chase XXXX branch in person. A Private Client Banker found in the card offer detail that 15 Elite Night credits will be credited to your Marriott Bonvoy member account within 60 days. However, when we called the card service to double check the timeline, the card service representative was just as clueless as the previous credit service I talked to. After the visit to Chase XXXX XXXX, I have tried on multiple occasions ( both via phone calls and written attempts ) to have Chase give me a clear indication of if they intend to honor the offer to no avail. Today ( XX/XX/XXXX ), I even got a phone call from a Chase representative who told me I would only receive 15 Elite Night Credit if I waited until XX/XX/XXXX. I told him this went against every advertisement on Chase own website. He had no good response. 
Attached please find Chases marketing page and a screen shot of the card detail where it talks about the 15 Elite Night Credit. ( p.s. I tried to download the entire offer detail document, but for some strange reasons, rather than printing out the entire document, the printer could only print out the first page four times. It would jump over all the remaining sections, including the section about 15 Elite Night Credits. )
Consumer complaint received 2023-03-28
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. (SC)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-08-01
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$610.00} XX/XX/XXXX