davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (SC)

CREDIT ACCEPTANCE has repeatedly communicated with me both directly and indirectly by duress and coercion. My vehicle was repossessed which they had no right to do as there is no UCC filed meaning no lien is present. Theyve sent multiple correspondence lowering the price in order for them to remove. They went as low as requesting me to pay {$2000.00} and they would delete and remove because they are aware that I truly owe them nothing. The car was paid for at the consummation of the transaction to which I had no awareness. The contract was also subject to arbitration to which CREDIT ACCEPTANCE failed to comply by and illegally and unlawfully repossessed my car and still trying to purchase the debt.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I purchased a townhome in XXXX, everything was find until I lost my job. My mortgage company was Wells Fargo. I contacted them to let them know my situation. I wanted to refinance so my payments would be lower. Instead Wells Fargo went up my mortgage. It went from {$1000.00} to {$1200.00}. I asked them how was I going to pay that when I was having trouble paying the {$1000.00}. I was trying to get it lower. They told me if I could not make the payment they were going to foreclose. I cried for days, til my family told me I had to move before Wells Fargo kick me out and take all of my things. I endedup moving in with my family in XXXX. My home went into foreclosure. I was deverstated. I was depressed all the time. I ended up drinking a lot. I finally moved out my family home into an apartment I truly hate. I'm paying {$1000.00} for this apartment, and its not worth it. It's very small, and it has roaches. The apartment people charges us each month for an exterminator, but he only comes once a year. I want to move, but Im stuck here because of my credit. Having a foreclosure on record doesn ' help either. I wish Wells Fargo would have worked with me.
Consumer complaint received 2021-09-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2023-12-21
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. (GA)

on XX/XX/23 I received the results of my recent dispute regarding the account XXXX XXXX XXXX XXXX This account was deleted but it was placed back on my consumer report without me receiving any documentation on why. This account is reported inaccurately and It should not have been placed back on my report that's why they deleted it in the first place. 
XXXX XXXX This account has never been verified by the data furnisher after countless attempts to contact the source they have not provided any evidence of the debt bearing my signature. 
XXXX This item states that it has never been disputed in which I have sent countless dispute request for validation of this debt as well. These items are causing extreme damage to my consumer report and I request your immediate attention to this matter.
Consumer complaint received 2021-09-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : JPMCB CARD ACCOUNT # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MO)

I purchased a van through ally finacial. The van was totaled out. My insurance company sent them a check. They are claiming that there was a balance still due. There is NOT. They have ruined my credit score Ive logged into the ally financial website and it says theres a balance of {$6000.00} Ive asked for proof of this they have not responded and phone reps refuse to send the info to me. Theyve been reporting on my credit report twice a month since XXXX balance past due. Which has brought my score all the way dow to XXXX. I want this information removed from my report as it is not accurate. I want copys of the payment history and of the check sent from the insurance company and I want the double past due reports removed from my credit reports. Removed from ALL CREDIT BUREAS.
Consumer complaint received 2022-10-31
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: Southern Management Systems Inc. (CA)

Due to the start of the XXXX pandemic ( XX/XX/2020 ), the university requested that we left the XXXX area to ensure safety. As the pandemic worsened, this required me to relet my apartment since I could not return to in-person classes. As of XX/XX/2020, the XXXX on XXXX apartments sent me a bill of {$120.00}. As of XX/XX/XXXX, I notified them that I have delivered the check to them. 

However, they still reported the fact that I did not pay them the money for the relet fee, hurting my credit score. After this, I double-payed the relet fee in order to prevent further depreciation of my credit score. Now it is affecting me in my ventures to receive new credit cards and loans because of my low credit score. 

I explained this to XXXX and they decided to remove it from my credit score. XXXX and XXXX have not fixed the issue yet. I just want this to be resolved because the pandemic caused this error to happen, and it is not a situation that should affect my trustworthiness as a lender.
Consumer complaint received 2021-10-04
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX Date of Inquiry XX/XX/2020
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: RentDebt Automated Collections, LLC (TN)

I rented an apartment from the XXXX at XXXX XXXX in XXXX, TN. I completed my original lease agreement, but requested a few days for an extension. I was moving my mother to TN from a nursing home because she was being abused and I finally found an apartment that could accommodate her and my son and handicapped  accessible. She refuse to honor my notice and said I have to pay a full additional month of market rate of about {$3000.00}. I had to buy my mother 's medicine until Medicaid kicked in for over {$2000.00} for XXXX. Therefore, I had a delay with paying the bill because I was also paying the other rent because she refuse to extend the original dates for a few days. I even explained the situation ahead of time. If she had accepted the 60 day notice and extended a few days out, this should have only cost about {$300.00}. 

However, when I went to settle the debt, she said the amount is now {$4200.00} because they added a collection fee. This is extortion and unethical. They refuse to negotiate a lower amount and now this is on my credit and I can not find another rental property to rent because this cause a denial.
Consumer complaint received 2022-10-31
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. (NC)

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 2022-11-01
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: Experian Information Solutions Inc. (TN)

After careful review of this account, I noticed multiple instances, where 99 % of the information reported by the credit bureasu are not accurate and they insist on confirming and validating the creditors inaccuracies. The high balance is being reported inaccurately with 3 different amounts. Only one credit bureaus ( Experian ) is reporting that it has actually verified the account. Date of Last activity, date reported, date opened, balance owed, creditor type, account status, payment status, are all reporting different information. None of the agencies match on any of the data they are reporting against this account. 

On XXXXXXXX XXXX and XX/XX/2022, I submitted a dispute via the online portal with all 3 Major Credit bureaus regarding XXXX XXXX. Each result came back " verified as accurate '' by both the Creditor and the Credit Bureaus.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1994 Experian Customer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Customer Services I recently purchased a copy of my Experian credit report through the Experian app, please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Experian through arbitration. 
Again, I reject the arbitration clause in the Experian interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Experian has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Experian has been prepared for Presentment to Experian, by me, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (NC)

I sent my letter off to Experian on XXXX XXXX XXXX. I told Experian to do a full Investigation on the accounts I have listed below. I have also attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXX I haven't received a response letter. I ask Experian to FULLY INVESTIGATE, and I also ask them to tell me the METHOD OF VERIFICATION of the Investigation, as well as I asked for a updated copy of my credit report. In which I never received. In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions. Also as i was reading the FCRA and noticed they violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) They stated that these account were verified but how is it possible if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I received a text from Wells Fargo, your debit card was declined for insufficient found, when I checked my account was XXXX when I had XXXX. Immediately called to the bank the person said effectively your card was denied for a transaction on line for XXXX and for (???? ) for XXXX, I said, I did not recognize those transactions neither the XXXX using XXXX XXXX, the fraud dep. said they received documents from XXXX that I authorized that transaction, ( letter from the bank ) the bank gave XXXX credit to my account now they send another letter that they are going to colecte the XXXXfrom my account. I do not know what to do, they made the decision, I have called them many times but they dont listen, In the last XXXX months I have change my debit card like XXXX or XXXX times for the same reason, almost never have money on my account because this happened, last week some body tried to pay XXXX in on line store, once again the card was declined, please need some help
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GLOBAL CREDIT UNION (CA)

I had Bank Fraud and ID Theft and Some One hacked in to my checking account and put in Fake Checks and Global Credit Union Cleared them and they ( Scammers ) got the money at the casinos and now im negative XXXX and the scammers got away with almost $ XXXX I need Help I have filed ID Theft Insurance Claim but I shouldn't be responsible for theft!
Consumer complaint received 2022-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IL)

I use to have an account with XXXX under the name XXXX XXXX when I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois. I no longer live there as of XXXX when my account was closed with a balance of XXXX. I moved into a different unit and switched to a different wifi company and have not used XXXX XXXX in months as the service was no longer available, my account was closed, there was no way to log into that account. Then I started receiving these bills. I have reached out to XXXX customer service multiple times and nobody ever has a valid answer for me. I asked if there is any account I can log into too and they told me no because the account no longer exists yet I am still receiving bills totaling {$510.00}??
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (UT)

In XX/XX/2022, I got notified by my XXXX XXXX card that my XXXX XXXX had dropped significantly due to a late payment. 
After further investigation, I found that my GAP card was the issue. I called the number on the back of my card and it routed me to Barclay ( with whom I had never had any interaction ). Barclay had trouble finding my account because my GAP card number had changed - without my knowledge. 
A representative from Barclay told me that they had mailed me several notices that they were now the administrator of GAP credit cards. 
I explained to them that I had elected to have all of my GAP correspondence be electronic as I travel 90 % of the time for work ( GAP also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. Barclay stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my GAP account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to Barclay, even though I had no knowledge of the change. 
If GAP wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from GAP/BARCLAY to alXXXX XXXX credit agencies be removed immediately.
Consumer complaint received 2024-01-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (VA)

Hunter Warfield Inc is trying to collect money from me for an apartment complex in a state I've never lived in, with a name that is not mine, but is attached to my credit report. I have talked to the apartment complex where the debt originates, they confirm that my birthday does not match the person who they are trying to collect from. I've contacted the collection agency, they said my social security number does not match the person who this debt belongs to. I've done a dispute on my credit report and this still hasn't been removed. 

Account NameHUNTER WARFIELD Account XXXX Account TypeCollection ResponsibilityJoint with XXXX XXXX XXXX Date XXXX StatusCollection account. {$510.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX Balance {$510.00} Balance XXXX Recent Payment- Monthly Payment- Original Balance {$320.00} Highest Balance- Terms1 Months On Record XXXX XXXX