davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Innovative Funding Services, L.L.C. (CA)

I applied for a car long via XXXX XXXX. XXXX XXXX, on behalf of Trsel, forwarded a loan for the full amount that I was asking saying I was approved. When I went to their site to finalize the loan, the ran my credit and approved me for {$5000.00}. I feel if they were going to approve me for {$5000.00} they should have never lied and said I was accepted for my auto loan of {$36000.00}. I tried to resolve this with Rersl directly and they claimed that lending tree was not their company. I let them know I never claimed that to be the case but they did get all my information from lending tree so they should not have taken that information if they were not associated with lending tree at all. I just feel they lied. The offered me exactly what I wanted and then when I went to collect that, they switched it to a much lower number that was only a fraction of the original amount. To me it is a classic bait and switch.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-06-14
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: WELLS FARGO & COMPANY (CA)

This is the complaint in continuation to an ongoing Complaint under Id XXXX. Following XXXX XXXX suggestion on getting in touch with my Credit Advisor aka my bank WELLS FARGO. I had contacted their XXXX XXXX department at number XXXX on XX/XX/2021. I explained the issue to them on what information do they share to the bureau and why my score has been dropping constantly instead WELLS FARGO informed me that I need to get in touch with a Financial Advisor. When I asked for more information - Are they XXXX? Do they have any names I could go to for this info.? Do I find them via XXXX search? Are they 3rd party? 
WELLS FARGO representative had no definite answers and left me more clueless than I had been when I first called. Their answer was they report on time payment info to the bureaus and rest is between the bureaus and the financial advisor. 

How do I navigate from here to learn about my own score calculations?
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

I purchase a automobile motor from XXXX XXXX XXXX XXXX starting with a XXXX payment from my debit card with USAA ending in XXXX i later finished payment for this motor on XXXX with my credit card ending in XXXX for XXXX totaling XXXX. The owner XXXX from XXXX XXXX XXXX was supposed to send this motor and never did to this day. He has been refusing to work with customers in paying back their money. I have tried numerous times to settle this with USAA but have had negative outcomes. Please help me in this matter. I no longer want to be a consumer in America until this is solved.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

USAA Savings Bank is reporting a late for XXXX, XXXX, XXXX. Due to Covid, I was having a really difficult time keeping up with all my bills since my hours were cut dramatically. I have slowly gotten back on my feet and am now preparing to buy a home. I have been a long time customer with USAA and ask that they please take leniency on these lates.
Consumer complaint received 2021-06-14
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: Resurgent Capital Services L.P. (PA)

This account was open fraudulent on XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. XXXX XXXX XXXX then sold this account to LVNV FUNDING IN XX/XX/XXXX. 

The Address on this Contract is XXXX XXXX XXXX XXXX PA XXXX. 
In XX/XX/XXXX I was not living at the above address. 

At the time of this contract I lived at XXXX XXXX XXXX XXXX, PA XXXX. 

PLEASE NOTE : Attached is a Signed copy of my lease from XX/XX/XXXX - XX/XX/XXXX this is an official document. 

You are violating my right and causing harmed to my credit! 

First, failed to verify the identity once the application was approved. 

CFPB PLEASE HELP ME LVNV FUNDING HAS QUESTIONABLE BUSINESS PRACTICE. 

ATTACHED IS COPIES OF MY LEASE STATED I NEVER LIVED AT THE ADDRESS THAT WAS PROVIDED WHEN THIS CONTRACT STARTED. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. 

I REQUEST THAT THIS ACCOUNT IS REMOVED FROM ALL CREDIT REPORTING AGENCY ASAP!
Consumer complaint received 2022-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

The ONLY time Experian responded to my request was to delete and address that I never lived at and they made sure to do nothing else. 
ALL my other complaints just linger. They put out an email stating their investigation has been completed and of course they ALWAYS find themselves in the right. However they can not be bothered to even do that instead they have a shoddy robot spit emails out almost the instant they " receive '' a complaint. They not only refuse to adjust my credit score back to it's XXXX where it rightfully belongs since in no way whatsoever did I do anything " wrong ''. Not only do they refuse to address just why XXXX has so much power but they removed the request for credit which was the cause of my drop in score yet they refuse anything has happened and their only response has been to the erroneous address and nothing else. Why don't you do something about these awful corporations who are a threat to us all?
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (OH)

This account is reporting in accurately to my credit report. I have attempted in numerous ways obtain verification of this debt and have not received any documentation. I did not authorize anyone to open or sign in my absence therefore it can not be validated as a debt that I owe.
Consumer complaint received 2022-07-22
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OH)

I found out I was a victim of identity theft on XX/XX/XXXX, and I called Citi to inform them. Once I did that, they allowed someone to add a signer onto my account, they allowed a card to be rushed to an address never on my account, in another state, they have allowed my card to be used and added to an XXXX XXXX after I called over XXXX XXXX with over XXXX XXXX in call time. They will not give me information on my account, they will say they need to send me a letter to verify that I'm me, while they continue to allow my card to be used. I've asked for them close my account, and they won't. They have hung up me and refused to talk to me about my own account, that is attached to my card, I was told I needed to give them the name of the person added to my account, or I could not pass verification, and if I knew them. I believe this is an inside job, every time I changed someone, they changed in minutes to hours later. I'm concerned because they have taken over my account, I don't know where the bills will go, what the new credit card number is because they sent it to XXXX XXXX, not my XXXX Address. I can't have access to my account to file a dispute. I also received two text messages today, from unknown numbers calling me names and asking me to not spend my time, trying to get this fixed.
Consumer complaint received 2021-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

On Saturday, XX/XX/XXXX, Mr. Cooper made an UNAUTHORIZED mortgage withdrawal from my XXXX checking account. I have automatic payments set up, for as long as I have had my mortgage the payments are fully funded. This is one ADDITIONAL mortgage payment, after my regular XXXX monthly payment was processed. 

I spent HOURS on the phone trying to get a hold of Mr. Cooper and XXXX, and finally ended up speaking to my local bank branch. I don't understand how a company can make an ADDITIONAL mortgage withdrawal which was NOT AUTHORIZED from my account. There was an automated email that went out from the company. I have tried to contact them via the email provided and I am getting XXXX delivery error messages that it can not be delivered.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I have collection that appear in my credit report 4 month ago from amsher collection services {$300.00}, its about t mobile phone company from 2017, I return the item and it was for signal and I don't have use for it, it appear in the past from different collocation co and I dispute the error and it shows up again from different agency can you please help me to fix the problem and prevent them from using my information
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

I received a letter from Merchant credit guide on XX/XX/XXXX about a Medical procedure that was supposed done on XX/XX/XXXX. I wrote a validation letter to ask what procedure was done and the statute of limitations on this Alleged debt by Certified mail and I received another letter today asking for payment with no Validation. Im aware of my rights and HIPAA laws as well. I want Merchants credit guide to cease and desist all collections on this debt unless they provide what I asked for by legal right.
Consumer complaint received 2021-05-04
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. (FL)

I am very stressed out as I found accounts that are not mine. I do not recognize these accounts and can not understand why they are here in my credit report. Could you please make identification of this problem and check these items because I am very confused and can not understand what to do. I am worrying about my credit score as I am planning to move forward financially. Please after you check find out how I can resolve this situation with my credit score.
Consumer complaint received 2021-06-14
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. (MO)

Why is it that these credit reporting agencies or continuing to mis report these unauthorized accounts on my credit report, I have previously reported that my identity was compromised and the result is these unauthorized fraudulent accounts that I'm demanding be removed from my credit files immediately. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX XXXX {$240.00} 3. XXXX, XXXX {$570.00} 4. XXXX, XXXX {$810.00} 5. XXXX, XXXX {$170.00}
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (TX)

I disputed multiple accounts due to invalid inaccurate information reporting. Although the investigation is still in progress, Equifax has sent a response for some of the items listed in my previous dispute/complaint. 

An account on my credit report listed as " XXXX XXXX '' is listed with multiple DATES OF LAST ACTIVITY. Again, this can not be verified or accurate as the DATE OF LAST ACTIVITY should be the same on ALL bureaus as this date determines when the account should be REMOVED from my report. Equifax stated, " it verified this account and all non paid collections will remain on my credit report for 7 years. '' See response attachment. See copy of report with multiple invalid dates listed. Equifax FAILED to provide me with the METHODS OF VERIFICATION. I have requested multiple times that ALL DETAILED METHODS OF VERIFICATION be sent to me as proof that this account was VERIFIED. Verification methods other than the flawed system E-OSCAR and no proof has been sent. I am requesting AGAIN, that all non verified items be DELETED ASAP. Please DO NOT CLOSE THIS COMPLAINT OFF OF A GENERIC RESPONSE. I would like this account properly handled. Thank you for all of your help.
Consumer complaint received 2021-05-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I had a 36month lease with XXXX XXXX. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time XXXX contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new XXXX vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, equifax, XXXX  & XXXX, but XXXX XXXX  replies to them every time that the late payment fees are due. 

attached proof of the last payments
Consumer complaint received 2022-09-20
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-05-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a 36month lease with XXXX XXXX. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time XXXX contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new XXXX vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, XXXX, transunion & XXXX, but XXXX XXXX  replies to them every time that the late payment fees are due. 

attached proof of the last payments
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

EQUIFAX Confirmation # XXXX ACCOUNT # XXXX DISPUTED account aslo was never in collections, please remove collections. 

The credit law that addresses the verification of accounts and requires documentation falls under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. This section of the FCRA deals with the procedures in case of disputed accuracy. Here are the key aspects of this law : Consumer 's Dispute : If a consumer disputes the accuracy of any information in their credit report, the consumer reporting agency ( CRA ) must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Verification of Information : During the reinvestigation, the CRA must review and consider all relevant information submitted by the consumer concerning the dispute. 

Documentation Requirement : The CRA must verify the accuracy of the information by checking with the original creditor or other reliable sources. This means the CRA may need to request documentation or other forms of evidence from the creditor that originally provided the information. 

Results of XXXX : If, after the reinvestigation, an item is found to be inaccurate or can not be verified, the CRA must promptly delete that information from the consumer 's credit file. 

I am writing to file a formal complaint regarding inaccuracies in my credit report, which I believe constitute a violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681, Sections 602 A and 604 A ( 2 ).

As stipulated in 15 U.S.C. 1681, Section 602 A, I have the right to privacy in the handling of my credit information. Additionally, under Section 604 A ( 2 ) of the same code, a consumer reporting agency is not permitted to furnish any account information without my explicit written instructions. 

Despite these legal protections, I have discovered unauthorized entries on my credit report, indicating a failure by the credit reporting agencies to adhere to these critical aspects of the FCRA. Specifically, these agencies have furnished information about accounts for which I have not given any written authorization, thus infringing on my right to privacy. 

I respectfully request the CFPB to investigate this matter, ensuring adherence to the stipulated legal provisions. I seek a resolution where the unverified and unauthorized information is removed from my credit report.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On or around XX/XX/2022, I received my TransUnion credit report and noticed they are inaccurately reporting XXXX an current open line of credit with excellent payment history as an account in dispute. I have never contacted TransUnion or XXXX and disputed XXXX line of credit. In addition, TransUnion/XXXX  refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit scorXXXX. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold XXXXTransUnion accountable XXXX I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.