davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I Noticed incorrect information on my credit report involving Credit Acceptance. I financed a XXXX XXXXXXXX XXXX Through Credit Acceptance priced at {$8000.00}. When I attempted to pay the automobile off, I was told that I financed a XXXX  XXXX XXXX for {$13000.00} which was incorrect. Next I began to send in documents showing the car I purchased original price alone with vent number. After being ignored by Credit Acceptance and The Dealership I contacted all 3 credit bureaus and submitted a dispute containing a payment history related to my dispute. the payment history balance different from what's shown on my credit report. I was able to make progress with XXXX but not so much with XXXX and XXXX
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (TX)

remove this : never late : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1500.00} {$1500.00} Payment Info Original balance {$1500.00} Balance {$1500.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, XXXX remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent to Transunion my XXXX  and XXXX  credit reports/files that show, I had identity theft on my credit report. For some reason, Transunion still has on my credit report and an item on my report that was due to identity theft, and as you can see from the attachments XXXX  and XXXX  have removed the item. 

I have attached the proof that XXXX and XXXX  removed the alleged debt from my credit report because it was identity theft. 
I have also sent a copy of my driver 's license and social. I XXXX XXXX XXXX is requested this no one else and my id can verify who I am. 

My ask is that unless Transunion can send me the original signed documents for the alleged debt and how did they verify the alleged debt since it's identity theft? If they can not please removed it from my credit report/file as XXXX  and XXXX  have done. 

CFPB can you look into this matter and my next steps will be to seek legal actions.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

I previously had a card with XXXX Bank, Bread XXXX  bought my debt and changed my card. Prior to this I had automatic payments set up on my account with XXXX, I get a phone call one day that my account is over 30 days late from the new card company. So I paid the bill, after I called my original company to find out what happened. During this time, I received no word from either company about this buyout, and I did not receive a statement from the new issuer, still they have reported my payment late, and refuse to amend it, aside from that they increased the interest rate on my balance and list it as a cash advance, all of which are issues now that I am trying to buy a home.
Consumer complaint received 2022-06-24
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 — Their investigation did not fix an error on your report
Company: Credit Control, LLC (RI)

Third party trying to collect a debt. That has been XXXX my name is has a copyright and trade mark and the debt has been fully XXXX. Per Usc 15 ( a ) ( 4 ) 1681 ( a ) Accuracy and fairness of credit reporting
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE (CA)

As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my golden one credit card account. To this day the company continues to report to XXXX and XXXX each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to Golden one who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (NC)

On XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE, UNVERIFIED ACCOUNTS, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. PLEASE DELETE THESE ACCOUNTS FROM MY REPORT AND SEND AN UPDATE CREDIT REPORT
Consumer complaint received 2021-04-29
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. (CA)

As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my XXXX XXXX credit card account. To this day the company continues to report to XXXX and Transunion each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to XXXX XXXX who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Paid account off that was closed by a primary lender.. later I was informed that my score dropped 70+ points I was never notified by the original lender.. when I called to rectify they stated that they mailed it to me by another lender. I paid them again but I need my account to show that it was rectified and my payment history.. shows that I've been a consistent on time payer..
Consumer complaint received 2021-04-16
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. (VA)

XX/XX/XXXX I sent a letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent another letter to Experian at XXXX XXXX XXXX XXXX, TX XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Experian to send me proof that the debt is mine. I did not receive any proof and Experian stated that they validated the debt and it is mine. 



The account has not been removed from my credit report.
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (AL)

Upon checking my consumer report. I see that your company is reporting a account on my report saying that i owe your company {$1800.00}. I have tried to deal with your company in resolving this account but i am getting a hard time. I even got told that i would be sued if i didn't pay this account. I am a victim of fraud and this company i do not owe. I also never gave your company written consent or put my signature on anything with your company. I have tried to the best of my abilities to get this solve with no effort from the company
Consumer complaint received 2021-12-15
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. (NY)

It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. 
It seems that a new account not belonging to me is appearing every few days.

There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.

I have not placed requested for credit and my account has zero inquiries. Id like to know how your company has added credit accounts to my report that do not belong to me.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

On Friday, XX/XX/year> at XXXX XXXX, I called Ally bank customer service to change my phone number on my account, since I could not log into my account due to phone verification for my old number. The first person I spoke with walked through the steps with me and confirmed my phone number change. Shortly after, I tried logging into my account on my web browser and on my phone, but the bank was still asking for my old number for verification. I called Ally bank again at XXXX XXXX, and a different agent told me that someone will call me within a day or two to change my number for me. Because I was given two different answers from two different agents, I called again at XXXX XXXX  to ask for a supervisor 's help. The supervisor asked me questions pulled from public record to verify my identity, and once that was done, she was able to change my number, and I was able to access my account. 

However, that same night, I tried logging into my account at XXXXXXXX XXXX, and both on the Ally app and my web browser, I was informed that online access to my account has been temporarily blocked. Each time I attempted to log in, I got an automated email from Ally Bank with the subject line " Your password change wasn't successful '', even though I made no attempt to change my password. 

Once again, I called Ally customer service on Tuesday, XX/XX/year>, to resolve this block of my account access. After being on hold for about an hour, an account specialist again asked me questions from the public record to verify my identity. Once completed, the specialist informed me that they can not provide me with any information about my account, and that another specialist will reach out to me by Thursday for next steps. 

Ally Bank has locked me out of my account for several days now, and no one is able to help me resolve my online access issue, nor provide information on why I can not access my account or my money. This is unacceptable and frustrating.
Consumer complaint received 2021-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Toyota financiaXXXX account XXXX had reported in my credit bureau that I was passed due 30 days for the month of XXXX when I have never been late I have always even pay more. Please help, my credit has gone down almost 50 points for their error I have so hard to maintain my credit in high score and now this happen. First they incorrectly reported my balance I had dispute that with XXXX  and than they reported me delinquent for XX/XX/2021. I have reached out to them and they are being difficult to fix error they did. Please I need that completely erase from my credit report
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation of Credit Report Violations Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and correcting several violations and inaccuracies on my credit report, in accordance with federal regulations.

Accuracy and Fairness : Under 15 U.S. Code 1681, consumer reporting agencies are required to maintain the accuracy and fairness of credit reporting. I have identified several discrepancies that do not adhere to these standards.

Permissible Purposes : As outlined in 15 U.S. Code 1681b, consumer reports may only be provided for permissible purposes and with the consumers written consent. I have not authorized the inclusion of certain negative accounts on my report.

Information Contained in Reports : According to 15 U.S. Code 1681c, consumer reports should not include adverse information older than seven years, except for criminal convictions. Certain derogatory marks on my report appear to violate this rule.

Identity Theft : Per 15 U.S. Code 1681c2, any information resulting from identity theft must be blocked upon verification. I request a review of my report to ensure that any such information is promptly removed.

Opt-Out Notices : 12 CFR 1016 and 15 U.S. Code 6802 require clear privacy notices and opt-out opportunities before disclosing nonpublic personal information. I need confirmation that I was provided with appropriate notices and options.

The following accounts need to be removed from my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, my address should be updated to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please also remove the non-mailable addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these issues and facilitate the necessary corrections. Please confirm receipt of this letter and provide updates on the status of these corrections within 30 days. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XXXX XX/XX/2021, three different lenders attempted to retrieve my credit score from Equifax and they all said that my wife 's information is coming up under my social security number. I called Equifax and they informed me that my account is all the correct information. however, Equifax keeps using my VantageScore to verify my information which mortgage companies do not use. The other companies are using Fico. Fico is giving them an error message that states that the SSN does not match. at this point, Equifax refuses to fix my information in their system. I have called 8 times to date without any resolution. now the customer service representatives are hanging up on me or completely refusing to talk while I am on the phone. this is frustrating because I need to close on my house in two weeks and I can not move forward without their cooperation.
Consumer complaint received 2023-05-06
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-04-16
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: Santander Consumer USA Holdings Inc. (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.