davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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: CREDIT ACCEPTANCE CORPORATION (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CT)

Navy federal credit union agree to bring my car load and credit card to a good standard. In return i was going to pay them a settlement. I pay the settlement and the still report my accounts in bad standard. I call them on XXXX they say they will fix. But the did not. I call on XX/XX/2021 to navy federal and they admitt. The agreement but they still refuse to bring my account to good standard. They want me to pay more money after the settlement.i got denied on house mortgage loan because of the damage they are doing on credit because the still reporting. Im streess out this ruin my life. They are worse covid.
Consumer complaint received 2021-05-27
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 (NE)

I have fake numbers, addresses, names on my credit report. I owed collections and had it removed off my report. A credit agency falsely put money on my report a agency went out of business was bought by another one and moved my credit over to the new company Portfolio Recovery with out my permission they also put an address on my report that made it hard to remove with a dollar amount, I never lived at the address. I found out checking my report on my free time. Someone tried to get my information threw my Landlord saying I owe a fake bill since I had the money removed from my report.
Consumer complaint received 2021-05-27
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-27
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have attempted several times ( including today ) to file a dispute with Equifax about a XXXX account in collections that doesn't belong to me. I have disputed it with XXXX  and XXXX, who have both taken it off their reports. However, Equifax will not allow me to dispute without signing into my account, but it won't allow me to sign in to the account. Instead, I get the message " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX XXXX XXXX XXXX ( ET ), Monday to Friday. '' I've tried calling and have never been able to connect with someone due to long hold times and it's during work hours, so I am unable to keep staying on hold all day.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

PLEASE READ THE REASON FOR MY COMPLAINT* 1. Date Open is inaccurate - Company is reporting different dates on different credit bureaus. 

2. Company is RE-AGING THE ACCOUNT!!!!!! 
- Attached is a copy of XXXX on my credit reports this year on each report there is a different date. The last report they RE-Aged the account 2YEARS!!!!!! 

FCRA Violation!!!!! 


3. Company has not verified the account!! 
- No documentation has been provided with accurate information.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Bought this vehicle at the peak of have a very good paying job at the time, around XXXX market had gotten bad, even though I want able to make my full monthly payments between dealing with the most unprofessional company they had no understanding that I needed help. I ended up losing my job still trying to pay on loan. My car was taken ( repossession ) cost me a lot of fees to get vehicle back.I spoke to a loan rep whom advised they would work with me on the reporting if I was buying vehicle back, Just to pick it up battery taken out my car because it went to junk yard and driver door dented. I called and told loan company about issue, was told manger. No call and stuck with repossession thats been hunting me ever since. Fast forward to XX/XX/XXXX I was hit from an accident, they were also notified due to COVID breaking out at the time insurance company didnt send them off payoff until XXXX now they have as a missed payment. Ive tried for past 5 years to get some help with this, spending lots of money for help. This is the only account that Ive ever had derogatory remarks on my credit. Its been very time consuming each time!
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collins Asset Group, LLC (TX)

Collins Asset Group , LLC reported information to my credit file in XX/XX/XXXX with an account origination date of apparently XXXX. I have never entered into a contract agreement with Collins Asset Group , LLC. I contacted this company via phone for additional information as they claim I owed them {$4900.00} and request this be removed from my file as it's being reported without validation. They said they would send me proof. Nothing has been received. I have also emailed this company twice at the email on their website to get validation of this alleged debt on XX/XX/XXXX, and again on XX/XX/XXXX. No response. I've yet to receive documentation proving this account is mine. It is now XX/XX/XXXX. 

Per the Fair Credit Reporting Act, after a request for debt validation and no response from the collection organization within 30 days, any reporting on my credit file constitutes an illegal continuation of collection activity. Collins Asset Group , LLC is incapable of verifying the information of this alleged debt, so I can not verify this alleged account. I have given Collins Asset Group , LLC ample time to resolve this alleged debt. 

This account needs to be removed from my credit file. In addition to reporting this here to the CFPB, I will be reporting them to the Texas Attorney General 's office and seeking legal action if this is not resolved.
Consumer complaint received 2021-05-27
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. (CA)

I have contacted BOTH credit bureaus XXXX and Transunion about a late payment from XXXX listed on my credit report for an account that is NOT MINE, i was just an authorized user. I first contacted both XXXX and Transunion via U.S. mail on XX/XX/XXXX .... I never heard back from either bureau! After contacting them again via mail on XX/XX/XXXX, i have yet to hear from them. It is absolutely mind blowing that two of our biggest credit reporting agencies nationwide, just IGNORE consumers and hurt they're chances at obtaining good credit by reporting erroneous and inaccurate information. Totally unacceptable and irresponsible!
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Balance : {$230.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance : {$390.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX Balance : {$1000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX Balance : {$710.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a conventional 30 year loan/mortgage with Bank of America. I took advantage of the Federally mandated Covid relief regulations and went into forbearance for my XX/XX/XXXX through XX/XX/XXXX payments ( 11 consecutively skipped payments XXXX. My XX/XX/XXXX mortgage statement shows a balance of {$140000.00}, and did not account for my XX/XX/XXXX payment ( so the balance would be a little lower ). After regaining a more stable financial status, I resumed making mortgage payments for XX/XX/XXXX to present, and Bank of America sent me new terms for a Loan Modification. The terms are egregious and mainly serve Bank of America 's interest while simultaneously weakening my rights and ownership of my home. As a result, I sought to refinance my mortgage/loan with a different lender and with much more reasonable terms XXXX to include a much lower interest rate XXXX. The new lender, XXXX XXXX needed a loan payoff amount, so I first called Bank of America and spoke to a mortgage representative who twice quoted me a loan payoff amount of ~ {$140000.00} XXXX I have a voice/video recording ). I clearly asked the representative to include any and all amounts related to forbearance and skipped payments. However, when XXXX XXXX requested a payoff amount, Bank of American provide them with an amount of {$140000.00}. How is this not outright fraud/illegal? How does my mortgage increase by over {$7000.00} by going into forbearance for 11 months and the making the last 3 months payments? I NEVER signed any loan modification agreement as I was waiting to see the terms, and they are ridiculous. This seems to be another instance of a big and powerful financial organization further exploiting the financial hardships of a tax-paying, veteran homeowner for their own financial gain, regardless of the costs and negative effects. I have documentation/communications and recordings to backup/support all of this. Bank of America said they were recording the call ( s ) and I also said I was recording the call ( s ). The files are too large to upload XXXX more than you XXXX limit ), but can be provided upon request. I've also provided XXXX XXXX with statements from Bank of America.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the enumerated consumer laws. 

I am submitting the complaint as the consumer without representation. 

I have several occasion contacted Experian in request of cooperation in reinvestigation for proper verification in dispute of unauthorized use of my nonpublic personal information advertised on my consumer profile. 

I demand evidence of proof of reinvestigation by proof of claim of each account, collection and address disputed herein as verification for validation that the alleged debt, address and account is mine, with evidence of written permission to be furnished signed by officer or employee of furnisher certifying alleged accounts for validation to include written certified proof of claim that the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions for any noncompliance.
Consumer complaint received 2023-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-27
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. (MD)

Someone has stolen my identity & XXXX will not delete this information. These accounts do not belong to me & I did not get anything from these people. Please delete this information from my credit report. I have attached a police report, identity theft report & a request to block & delete this information.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is one of 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-03-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (CA)

I opened a single small loan with Moneylion. They took a credit reserve in my name for over {$1500.00} when my loan was for about {$800.00}, and I never received the full amount they took out in my name. Once I had it paid off, a secondary loan was taken out in my name. The company has repeatedly withdrawn money from my personal debit account even after Ive unlinked all of my banking information. Whenever I call to report this as fraudulent, their phone service hangs up on me.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

First they held up a XXXX deposit for money that was owned me. second when I went to transfer some of the money to one of my other accounts. they did not do it. This is a transfer to account that is mine and I have done 25 times since XX/XX/2020. I did the transfer at XXXX XXXX by XXXX it still wasn't done. I called and talked to XXXX and he transferred me to XXXX. Who placed notes and said he didn't know why the transfer didn't go through. Then he said it would go through in a few minuets. I waited until XXXX called back because the transfer did not go through. I talked to XXXX. that is what she said her name was. She transferred me to XXXX. who looked at the account and said everything I said was noted on my account. then he said it would transfer now in the morning. I asked to speak to a supervisor. I was on the phone holding for 30 mins and no supervisor came on the phone. I hung up and then I went to pay some bills online, There was a problem with my card, I then got a email saying my transfer was canceled and that I needed to go online and look at a secured message from chase. When I went to log on my online was blocked and there was a number saying to call XXXX. I called and the recording now says they are closed. They are profiling me and using words to XXXX to me and if they did it so easily to me that means they have done it to others. This is not customer service. when a customer has to call several times and they don't tell the truth. I have been profiled because of the money I have in the account. If I had a XXXX dollars in there they would have taken care of the problem immediately. That is not treating customers the same. That is selective customer servicing. You can pull up the recording of our conversations but I bet they will say, we don't always record every call. With that they are now lying on the phone to all customers. This better not touch my credit I've worked hard to keep in good standings. This is not fair in any way!