davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NY)

About 2 1/2 years ago I purchased a truck from XXXX 's XXXX XXXX located on XXXX  XXXX XXXX XXXX, N.Y. The price was {$14000.00} I gave them {$3000.00} down and financed the balance through Credit Acceptance, XXXX XXXX XXXX XXXX XXXX, XXXX, Mi. XXXX. I was told by XXXX 's XXXX XXXX  that in order for me to get financed I had to put an extended warranty on the vehicle, I explained that the vehicle would be used at times for commercial purposes. They told me " don't put any lettering on the vehicle. '' I canceled the extended warranty because it did not cover the truck if it was used for commercial purposes. I was told that the cost and finance charges for the warranty would come off the back end of the loan. After further reading the paperwork I realized XXXX 's XXXX XXXX had arbitrarily raised the price to {$17000.00} without telling me and after I paid them the down payment of {$3000.00}. When I confronted them I was told that Credit Acceptance told them to raise the price, all this without ever telling me they were raising the price. So I called Credit Acceptance and complained about the bait and switch, they denied ever telling XXXX 's XXXX XXXX to do that. I told them I wanted this corrected and was told their legal dept would contact me. The Legal Dept never contacted me but when I got behind in my payment Credit Acceptance had the truck repossessed without warning and by that I mean I had to agree to let XXXX 's XXXX XXXX put a device on the truck that would beep 3 times as a warning that a payment was due. The contract stated that this warning would be every time I started the truck for three days and if payment was not received then the device would not let me start the truck. I did not receive any warning as per the agreement in the contract. After the truck was repossessed I was never given any information about what it sold for at auction, as required by law, or that the {$3000.00} added to the truck by XXXX 's XXXX XXXX or the credit for the canceled extended warranty was ever credited to me. When I called Credit Acceptance about all of this complaint I was told just give us {$5000.00} and we will call it even. I want this removed from my credit report and shown as paid.
Consumer complaint received 2019-05-22
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. (GA)

Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX XXXX, XXXX XXXX   XXXX/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-13
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. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 1 XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-06-24
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: SYNCHRONY FINANCIAL (TX)

showing accounts that are paid but wont show up on my credit reports this has cause me harm without a reason doubt report the error or correct it they cant say it's not correct b/c I saved and printed fom their website XXXX, XXXX, and XXXX
Consumer complaint received 2019-05-22
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: Experian Information Solutions Inc. (GA)

Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX XXXX, Dpt of ed/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HANCOCK WHITNEY BANK (TN)

I received a cashier 's check in the mail that I had to sign for with my name on it for {$2800.00}. The bank on it is Hancock Bank issued by Whitney Bank. I called the bank and they said the check is fraudulent. The envelope it came in said it was sent from Safe Deliver XXXX XXXX XXXX XXXX XXXX, VA XXXX. I'm not sure why I even received this check, but I kind figured it was a scam from the start..thank you.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Lexis Nexis resolved inaccurate information with Public Records section of my XX/XX/XXXX andXX/XX/XXXX These Two Entities Refuses to Acknowledge any Update information and by law refuses to delete unknown information. Their system E-Oscar, is verifying inaccurate information consistently and not verifying with the actual source Lexis Nexis. I need these two Entities to follow FDCPA and FCRA. They are breaking laws and violating my rights.
Consumer complaint received 2019-05-22
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ... 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****,
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Institution Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NJ)

MRS BPO has contacted XXXX and negativley affected my credit report ( which was OUTSTANDING ) that they represent a debt for collection. They will not tell me who they represent. MRS BPO is listed as a collection agency representing their client ( unamed ) on my credit report as some entity who claims I owe money. I have no idea who MRS BPO represents and have never received a bill from them OR their client. 

I need them to immediately provide me with this information : # 1 ) signed contract or application where I allegedly obtained credit with you.. # 2 ) Copies of all invoices mailed to me during the time I allegedly had an account with their client including what services they provided to me. # 3 ) Verification of all payments made by cash, credit card, bank debit or check on this account during the time it was open. 

Please mail this information to me within the next ten ( 10 ) days or remove this from my credit report as erroneous and do not ever attempt to collect this false debt from me again. 

By copy of this letter, I am notifying XXXX, XXXX and XXXX that I am filing a formal dispute of this account. 

I am also notifying the XXXX, Consumer Protection Division of the Office of the Attorney General in New Jersey that you are violating the FDCPA and the FCRA by reporting an account I DO NOT OWE AND HAVE NEVER HAD TO the credit bureaus. 

You may mail your response to me at the address on the account. 

cc : XXXX, XXXX XXXX, XXXX and CFPB, Attorney General Consumer Protection Division, XXXX, New Jersey
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: CITIBANK, N.A. (NJ)

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. 375 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 2019-03-11
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: WELLS FARGO & COMPANY (MO)

I have 36 hard inquiries with companies I have never even heard of. I believe that a car dealer may have ran my credit through companies after I explained I already had financing in place and would not need them to run. The date was from XX/XX/XXXX - XX/XX/XXXX Wfds XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX  ( This one was put through twice on XX/XX/XXXX and XX/XX/XXXX ) XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: QC HOLDINGS INC (IN)

I have explained that we are going through a debt relief program on XX/XX/2019 and the company is trying to collect XXXX dollars. I have asked them to quit calling several times and the have the phone number to call the debt relief program. The gentleman is very rude and would not let me explain the situation.
Consumer complaint received 2019-02-18
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)

I filed a dispute with the 3 credit bureaus asking them to provide verification on accounts on my credit under the fair credit reporting act 15 u.s.c 1681 section 609 ( a ) ( 1 ) ( a ). And to remove them if they can not send me verification
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello, I was inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my ssn is XXXX. I'm also inquiring about my son 's name " XXXX XXXX SSN # XXXX and my daughter. XXXX XXXX # XXXX. I believe the account have been open fraudulently by a close relative without my knowledge. if there are any account open under our name can you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your time!!!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, I am writing to formally request your assistance regarding six unauthorized and fraudulent inquiries that are currently appearing on my consumer credit report. These inquiries are negatively impacting my credit score and overall credit profile. 

Details of the Unauthorized Inquiries : TRANSUNION Inquiry # XXXX XXXX, XX/XX/XXXX Inquiry # XXXX XXXX, XX/XX/XXXX Inquiry # XXXX XXXX XXXX Date XX/XX/XXXX Inquiry # XXXX XXXX XX/XX/XXXX XXXX Inquiry # XXXX XXXX XXXX XX/XX/XXXX Inquiry # XXXX XXXX XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2021-08-03
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 I sent a letter regarding inaccurate and unknown things on my credit report it has been more than 45 days later and I have received not one response. I feel like I'm being taken advantage of and my dispute is being ignored. Now I'm XXXX XXXX  and I can't afford this XXXX. Im in need of a bigger space before this XXXX XXXX and these inaccurate false items on my report are preventing me from getting this done. I need this problem fixed ASAP becuase I dont have another XXXX to wait or I will be homeless. I demand these late payments be updated immediately or I will file for litigation due to stress you caused during my XXXX. My information was also impacted from the Equifax data breach and may have got my information in the hands or the wrong person.
Consumer complaint received 2020-08-25
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: WELLS FARGO & COMPANY (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigations results.
Consumer complaint received 2019-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

On XX/XX/XXXX I closed on my first home. At closing, the projected payment for escrow was based on the previous owner 's exemption status of Over-XXXX, XXXX. Due to her exemptions, she was 100 % exempt from county and city property taxes and paid {$0.00} taxes. Clearly, I'm not over XXXX and XXXX and these taxes were not accounted for in my new escrow account, despite the tax certificate documentation. The lender did not accurately disclose my tax liability and deceived me to qualify for an FHA loan. In XXXX XXXX, I received an Annual Escrow Analysis from my current loan servicer citing a severe escrow shortage of {$6800.00}. My mortgage went up from {$1500.00} to {$2400.00}, a monthly increase of {$950.00}. I retired on XX/XX/XXXX and am on a fixed monthly pension of {$3100.00}, but now I've defaulted on my loan facing possible foreclosure. However, I am under review for a loan modification. My current mortgage is {$1100.00} for PI and {$1100.00} escrow for taxes/insurance. I am paying almost as much for my escrow as I pay on my loan. There's something inherently wrong with that. As a first time home buyer at closing, we expect the professionals to do their jobs, with truth in lending. I was deceived and totally unprepared for this massive shortfall that has impacted every facet of my life to date.
Consumer complaint received 2019-03-11
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. (GA)

I was advised to contact you all regarding items on my credit that are not mine. I went to apply for a home loan so I can purchase o home for my new baby thot due this summer and I went to my credit union to apply for o home loon and I was denied. My loan officer gave me a copy of my report and there ore things on there that are not mine. Please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX  XXXX XXXX.
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-06-18
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: EQUIFAX, INC. (AR)

I was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.