davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MO)

Went looking for a cheap car within our budget. Had no money for a down. Left the dealer satisfied and headed home and planned to move on. Phone rang a coupke miles away, said they would work with us. Turned and went to talk, was handed XXXX on the sly by a salesman. We didnt know what was happening. Took us to a back office with a girl who was rtying to get into my XXXX account and she was throwing millions of papers at us. We still had no idea what was going on. I had to go outside and was crying because if the pressure of her wanting in my personal bank account. I was confused when she said how much are u putting down! We said we told u nothing! We are a XXXX couple I have stage XXXX caner and my husband is a XXXX XXXX. We have a fixed income. She said NO ... .YOU ARE PUTTING XXXX DOWN.???? IM CRYING, MY HUSBAD IS CONFUSED AND THEY say take it home and see how u like it. We did ... calmed down and calked the next day and told them we couldnt afford it and sure wouldnt pay over XXXX for a XXXX used XXXX with no extras even if we could afford it. The dealership said its out of there hands.. Call the finance co. Which we did immediately. We told them the story, asked them to please come get it or we would take it back to XXXX if they wanted. After almost a month they came and got it and by the way they couldnt even start it to move it. The finance co. Said it would be sold at auction and we would have to pay the remainder. Now as you see, we were lied to, pressured, the XXXX produced a fraudulent loan with money they used from them for down and Our credit is screwed, and someway today the finance co. Fraudulently tried to withdraw almost XXXX from my husbands XXXX XXXX account. Please help us and help stop them from doing this to others. 
CarSmart ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX If you need any more information please let us know. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX XXXX XXXX XXXX Thank you.
Consumer complaint received 2018-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

The same debt was reported under two different accounts on my credit report file XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the amount awed as {$0.00} and XXXX XXXX XXXX is reporting {$640.00}. Both accounts should be removed as inaccurate.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Starting XX/XX/XXXX, I have been in contact with Equifax regarding a series of fraudulent accounts being opened, or attempted to be opened, in my name. Five of the fraudulent accounts were opened under XXXX XXXX through a series of in-store credit lines such as XXXX or XXXX XXXX. The sixth was from XXXX. 

I requested the removal of one of the accounts and it was deleted on XX/XX/XXXX. The dispute was filed on XX/XX/XXXX. I also requested the removal of another fraudulent account on XX/XX/XXXX. This item was not removed, despite my notification to Equifax that I have not opened any new credit accounts in the past two years. I had also requested a security freeze and fraud alert to be placed on my account, though these were apparently ineffective in stopping further credit accounts from being opened in my name.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received notification ( a letter and bank statement through the US Postal Service ) from Bank of America about a new Core Checking account that was opened for me. I did not open the account. I only have a credit card, which I have had for many years, with Bank of America. 

I called on XX/XX/XXXX to inquire about the account and to close it. I was told by a customer service representative that the account was opened online on XX/XX/XXXX. The representative transferred me to the Check Fraud Unit and I filed a claim and requested information on how the account was opened without my permission. I was told an investigation would take place and someone would get back to me. I did not hear back from the bank and the account remained open with a XXXX balance. On XX/XX/XXXX at XXXX XXXX, I called again and spoke with XXXX from Customer Service. She reviewed the notes on the account and said the fraud department was working on my claim. I called again on XX/XX/XXXX at XXXX XXXX and spoke with XXXX. She reviewed the notes on the account and informed me that a claim was open and assigned to an analyst. She took additional information from me and said she would ask the fraud department to respond with an update ( the fraud department was closed at the time of our conversation ). XXXX also advised me to file a police report, stated she would place a freeze on the account and informed me that I would not be liable for any account activity. She advised me not to close the account because it would limit the fraud analysts ability to research how the account was opened. 

As of today, I have not heard back from Bank of America and the account remains open. I would like to know who open the account, how it was opened without my permission and, lastly I want the account closed. I believe Bank of America has had ample time to conduct an investigation and owes me an explanation. 

Thank you in advance for your assistance with this matter.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (HI)

I disputed a incorrect item on my credit report with Equifax, XXXX and XXXX and EQUIFAX now has blocked me from seeing my credit report. And has failed to respond to no less than SIX letters regarding my disputes. Now I ca n't even see my Equifax report NOR can I see if they deleted the incorrect item on my report. Why is Equifax that only bureaus that XXXX with consumers credit reports when they dispute an item by blocking them from seeing their reports and THEN adding insult to injury not responding to any further letters??????? INVESTIGATE THEM!!!!! This is outrageous!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2018-01-20
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. (KY)

I have an account showing collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX XXXX on my XXXX credit report that has been removed from XXXX and from XXXX because it is on my report by a complete mistake. XXXX REFUSES TO REMOVE WHILE ALL OTHER CREDIT REPORTING AGENCIES HAVE FIXED THIS MISTAKE. Im not sure if this is because of breach of my personal information, because i was one of millions that was violated by this. I have not paid for there credit score services. Could this be the reason they are not fixing this mistake? XXXX WILL NOT REPAIR MY CREDIT REPORT, and I have disputed this account three time over the past 6 months. PLEASE HELP!!!
Consumer complaint received 2018-01-20
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. (AR)

I have previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.
Consumer complaint received 2018-01-20
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: BB&T CORPORATION (AR)

I have previously written one of the collections departments and furnished a letter advising XXXX XXXX I am the victim of fraud on or around the date of XX/XX/XXXX. The dates of the even are not 100 percent seeing I was not there and had no knowledge of it for almost a year.The dealership did give me a copy of the loan application. On that documentation it is obvious that the same person signed all signature lines. The name is misspelled the same way on every line and is the same handwriting for all the signature lines.It is obvious that I did not sign this loan. I have sent a letter to XXXX XXXX with copy of my signature and a loan I obtained from the same dealership 3 months prior. Which is how they could have had access to some of my information or my ex husband furnished it seeing we were in the process of separating when this occurred. I have advised XXXX XXXX of this also. The fax transmission date to the finance company is XX/XX/XXXX. It was in XX/XX/XXXX that i pulled my credit and found a loan with XXXX XXXX XXXX. I called the company advised that I had no knowledge of this loan and was fraud. I advised that I would like documentation and information that they have or original loan package. Even with this being identity theft I am still privileged to that information. I have had no assistance from this company in obtaining any loan documents or any information they have used to make a decision to not remove the file from my credit or fund the loan. Since I have no documentation on this loan it is making it harder to fight and obtain counsel to assist with damages if it is not removed off of my credit after this final attempt.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (FL)

I opened an unsecured line of credit with Synovus Bank back in XX/XX/XXXX which converted to an installment loan on XX/XX/XXXX with a {$43000.00} balance with a {$770.00} monthly payment which I was more than happy to pay for moving forward. 

I was then sued for non compete from my former employer and lost in arbitration for a large amount and was forced to file Chapter XXXX Bankruptcy in XX/XX/XXXX This account was included in the Chapter XXXX BK and was to be closed, charged off and only collect interest. The Chapter XXXX BK was canceled in XX/XX/XXXX and I have made attempts to settle this debt with a repayment arrangement agreement. 

This account is still open and is a rolling 150+ days late on my credit report which I have asked them to charge off and close the account many times. This account is ruining any chance of restoring my credit and they will not accept a repayment schedule I also asked that they stop charging daily interest and monthly penalties since the current balance is now up to {$50000.00} which is ridiculous since the account should be closed
Consumer complaint received 2018-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

My loan service provider is Navient. I am enrolled in XXXX and received payment stubs listing the payment amount of {$360.00}. Instead of paying the amount on my statement I pay {$400.00}, and after doing that my payment amount has changed. The balance on largest loan has decreased very little, but the balance on my small loan has increased. My XXXX tax statement says that I paid {$3900.00} in interest.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MS)

I noticed that {$400.00} was missing from my account. I was trying to transfer funds to my other account and was told the amount was unable to be transferred due to insufficient funds. I transferred {$1000.00} to that account and know for a fact that the money was there. When I called and spoke to a representative and then asked to escalate to a supervisor, someone named XXXX told me that it was an automated collection. I do not owe anything through or to the bank. When I demanded my money back, she asserted that they had every right to take my money although it is not my bill. Fraudulent activity that I reported and they refused to rectify it.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (OH)

I have been taking measures to improve my credit the past few months. In XX/XX/XXXX I disputed a collection account on all three credit bureaus. The collection was listed as XXXX XXXX ( account # XXXX ) for {$180.00}, original creditor was XXXX XXXX XXXX. I have no knowledge of this account. My ( XXXX ) dispute results came back on XX/XX/XXXX with the results stating that the account was removed from my credit report. XXXX and XXXX also removed this account after completing online disputes. On XX/XX/XXXX, this same account, Original creditor XXXX XXXX XXXX for {$180.00} was reinserted on my credit report by all three credit reporting agencies. It is now listed as a collection from Diversified Consultants ( acct # XXXX ). I am not sure why this debt keeps resurfacing as it is not mine, and also I never received any notification in writing or otherwise pertaining to this debt or the fact that it would be added back onto my credit report.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AL)

Between XXXX XXXX & XXXX equifax removed the chapter XXXX bankruptcy from my credit report but added it back to my credit report without notifying me which is against the law. It should be removed again because equifax broke the law by not notifying me that they were adding it back.
Consumer complaint received 2018-01-20
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)

XX/XX/XXXX Complaint about lack of credit reporting : Approximately around XX/XX/XXXX, I noticed on my XXXX app, my XXXX XXXX Credit Card information had been deleted from my TransUnion Credit Report. 
Both XXXX and XXXX continue to reflect the XXXX XXXX Credit Card Account which has perfect payment history. Please dont confuse the credit card with my XXXX XXXX Car Loan. 

I have been treated like a ping-pong ball between XXXX XXXX and TransUnion for more than 5 months. They both blame the other for the error. I have been told month after month by XXXX XXXX the account will be restored to my TransUnion file. Only to find, after the first of each month, there has been no change. Absolutely unacceptable! 

I request my XXXX XXXX CC history be restored to my TransUnion report immediately, as I am applying for a mortgage in the VERY near term and want the best credit score possible. 

This needs to be correct in time to reflect on my XX/XX/XXXX report. If a MANUAL CORRECTION is necessary so be it. My 3 credit reports as of XX/XX/XXXX are attached. 

My next step is to file a lawsuit. Ive been more than tolerant of the idiocy. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

Please remove this account from my credit report XXXX XXXX XXXX, here is a copy from XXXX XXXX XXXX asking you guys to remove it from my credit report.
Consumer complaint received 2018-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (OR)

I have an account with coinbase, I have not had any issues until ~3 weeks ago when I was required to verify my account in order to sell a little Eth. I received a " Address did not match '' error. I have tried everything every day since ( 10 tries per 24hrs ), I even changed the address at my bank to make sure that it matches the one on coinbase. This is after I log in with 2 forms of security. I have e-mailed them, I have called them, the guy sent me an e-mail and the said that if that did not work to reply to the message and it go straight to him ( big lie ). 
It is my opinion that coinbase is a very shady exchange, they need to be looked into.
Consumer complaint received 2018-01-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (TN)

Requested validation of 2 debts listed on credit report by XXXX XXXX. Also requested proof of legal permission to collect this debt from me. XX/XX/XXXX via eFax. 

According to the State of Tennessee, XXXX XXXX XXXX is not licensed to collect. 

License Details License Status Vol Surrender License # XXXX License ID XXXX Expiration Date XX/XX/XXXX Original Date XX/XX/XXXX Profession Code XXXX Profession Name Agency First Name  Middle Name  Last Name XXXX XXXX XXXX City XXXX XXXX State CA Zip Code XXXX XXXX XXXX XXXX XXXX License Activity Description Vol Surrender
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I obtained a credit report from all 3 credit Bureaus and seen a negative item reported by Kohl 's on XX/XX/XXXX. The negative item is a 30 day late payment. I have been a loyal customer of Kohl 's since XX/XX/XXXX and Never missed a payment. I have attempted to fix this with Kohl 's, but still appears on my credit reports affecting my fico scores across the board. I have asked Kohl 's to re check the History. The history shows I have been a very responsible customer paying on time. I have asked Kohl 's as a goodwill to please remove this negative report as it is damaging my consumer report and I am unable to get a good mortgage lender to give me a good rate. Mortgage lenders pointed out the fact of this Kohls negative mark.
Consumer complaint received 2018-01-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I have my mortgage setup with Wells fargo. On XX/XX/XXXX my mortgage was paid for the month. Then on XX/XX/XXXX Wells Fargo drafted another mortgage payment from my account without my authorization. I called Wells Fargo on XX/XX/XXXX when I found out that they drafted from my account without my authorization. They started off by laughing at me and telling me to get a lawyer so I called my bank ( XXXX ) and reported it as fraud. I was told that my money would be put back into my account the next day and it was but today XX/XX/XXXX Wells Fargo drafted from my account again without my authorization and even after I reported it as fraud to my bank. Because if this I have around .300.00 in overdraft fees and now also missed payments for my electric bill, propane bill and my wifes car payment. What can I do about this fraudulent activity taking place from Wells Fargo and XXXX?