davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-05
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. (SC)

On XXXX XXXX I sent a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX  XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX  {$0.00} ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked this credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates LLC is fraudulently reporting an alleged debt on my credit report as being a Factoring Company Account which it is not. I have never entered into relationship or agreement with Portfolio Recovery Associates LLC at anytime or in any way. This is an attempt by them to skirt the FDCPA and is a violation of the FCRA and other applicable federal and state laws. According to the CFPB Consent Order File No. XXXX dated XX/XX/2015 Portfolio Recovery Associates LLC is a covered person and a debt collector and is subject to FDCPA. 

By fraudulent listing my account as Factoring Company Account they are making a false representation and committing gross fraud.
Consumer complaint received 2023-07-23
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: MERCANTILE ADJUSTMENT BUREAU, LLC (LA)

On XX/XX/2023. I opened and email from XXXX XXXXXXXX XXXX notifying me that my email, birth date, SSN, home address and drivers license and registration details was leaked and compromised by a fraudulent party. I checked my credit report and noticed two accounts had been opened on my credit that I didnt not open. The accounts are XXXX XXXX and Mercantile adjustment bureau. I would like the accounts and any history of these permanently removed from my credit report. These are fraudulent accounts. Thank you.
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

On or about XX/XX/XXXX, an unknown person or persons opened fraudulent XXXX accounts using my credit card issued by HSBC. The first charges, on XX/XX/XXXX, were small ( {$1.00} and {$14.00} ) and I missed them when I reviewed my statement. The next FIVE charges, made on XX/XX/XXXX and XX/XX/XXXX totalled {$3500.00}. I IMMEDIATELY called HSBC and notified them that these charges were fraudulent. I also called XXXX and they confirmed that the accounts did not match any information on my legitimate XXXX account and were considered fraudulent charges. I also notified HSBC of this determination by XXXX. The HSBC representative told me to submit in writing the charges I was disputing and if they could not determine them to be fraudulent, they would charge me interest on the charges, which I would be expected to pay. 

I made a spreadsheet of the disputed charges, with dates and transaction numbers and sent that information to HSBC at the address they provided to me. I also paid the legitimate charges on the account and immediately stopped using the account. HSBC closed the account and issued new cards, which I have never used. 

The statement received the next month ( ( XX/XX/XXXX-XX/XX/XXXX ) showed all charges had been cleared and they determined they owed me an additional {$540.00}. I requested that amount to be refunded to me and planned to close the card account. The next statement showed the {$540.00} refund and a balance of {$0.00}. The NEXT statement, dated XX/XX/XXXX, showed that three of the disputed and previously settled charges had once again been charged to my account and that I now owed {$1500.00}!! I immediately AGAIN contacted HSBC, talked with three people over the course of an hour and they now say they will " look into the matter '' but that I owe them this money, plus any interest accrued while they " try '' to settle this case. 

I DID manage to cancel the credit card during the course of these conversations, but still have had no word as to how their internal bookkeeping can not seem to settle this case. The three charges are clearly three of the charges I sent to them on my spreadsheet, dated XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Leaders Financial Company (NJ)

I am disputing, the credit reporting from Leaders Financial. 

I purchased the vehicle in XXXX  from a friend who worked at the company at the time, my credit wasnt that great, but he said he was able to make things work on my behalf, about 4 months after having the car, I experienced some issues, I have been taking it to the dealer often. About a year later, the car stalled on me as I was driving to work, I was able to get it started again, drove to work, and left it parked there, I paid for an XXXX to get back home ( {$85.00} ). The next day I had the car towed from my job to my apartment. The next day I was told it is the radiator, and I would have to add water to the cool it down, because it was overheating. I relied on my vehicle to get back a forth to work, so I began seeking other options to purchase another vehicle. I went to a dealer that same day with the car, I called Leaders that day to ask what the payoff amount was for the vehicle, I was told it was XXXX. Unfortunately when the dealer went to inspect the car, he wasnt able to offer me anything for it, so I went back home, and decided to look the next day, at this time the car was no longer functional, and I got a rental for the week, I then went over to a dealer in XXXX, and was successful in purchasing a vehicle, I came home parked the vehicle. The next morning when I went outside the vehicle that was not working was no longer there, at this point I assumed it was stolen, because I just called leaders to ask for a payout quote, but when I called to tell them what happened, they said they would let me speak with the person who sold me the car, and he would be contacting me to determine what the issue was. I had never heard from anyone in regards to what took place, I had not received a notice of potential repossession, I was not offered an option to retrieve the car nor my belongings. Shortly after I was moving and had all mailed forwarded accordingly, and still no communication from this company. A few months later checked my credit report and there it was, I called and sent dispute letters but no resolve. 

Thank you for your time and attention to this matter.
Consumer complaint received 2020-02-05
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)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FULTON FINANCIAL CORPORATION (MD)

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX and XXXX  which involved me making deposits for a total amount of XXXX USD from my Fulton Bank account to fraudulent investment firm ( s ).
Consumer complaint received 2023-07-23
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. (NY)

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 2023-07-23
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: Experian Information Solutions Inc. (TX)

XXXX without my knowledge or consent falsely accessed my experian credit report info on XX/XX/XXXX  and this is fraud. 
I never had any contact or did anything to inquire or apply for anything with XXXX  or car loan or purchase. this is fraud
Consumer complaint received 2019-05-21
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. (GA)

XXXX is doing their normal delay tactic. You all know the current administration is stopping you from investigating Student Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request Promissory Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent XXXX, TransUnion, and XXXX the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE XXXX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report XXXX. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from XXXX XXXX XXXX especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter XXXX sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the XXXX  report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report XXXX along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove the accounts.
Consumer complaint received 2023-07-23
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: Paramount Recovery Systems, L.P. (LA)

On XX/XX/2023. I opened and email from XXXX XXXXXXXX XXXX notifying me that my email, birth date, SSN, home address and drivers license and registration details was leaked and compromised by a fraudulent party. I checked my credit report and noticed two accounts had been opened on my credit that I didnt not open. The accounts are Paramount Recovery and XXXX XXXX XXXX. I would like the accounts and any history of these permanently removed from my credit report. These are fraudulent accounts. Thank you.
Consumer complaint received 2023-07-23
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: CarMax, Inc. (TX)

I finally was able to access my XXXX credit report and see on XXXX Carmax without my knowledge and consent somehow accessed my XXXX  credit report info I have never had anything to do with them and not aware of of this and it is all total fake and fraud. 
I am not trying to buy or get any financing for any car and if this is that it is fraud. 
I also never had anything to do with carmax.
Consumer complaint received 2023-10-16
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. (IL)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2020-02-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

XX/XX/XXXX I traded my lease vehicle for a new car, the auto dealer purchased the lease vehicle. The final full pay off was posted to my account on XX/XX/XXXX in the amount of {$23000.00} and based on my final payment record left a Credit Balance of {$35.00}, additionally I received a letter dated XX/XX/XXXX that my lease is considered " satisfied in full ''. As of date and today call, KIA lease still shows my account open and has yet to disperse the {$35.00} credit balance, after calls back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have been told that it takes 90 days from the date of final payment to close the account, on one call I was told that it took only 30 days form the date the final payment posted, either way I have yet to receive the {$35.00} credit balance. 

Second, I reside in the State of Virginia ( VA ), I am responsible for the vehicle tags and their cost, upon selling the lease to the dealer I turned in my tags to the department of motor vehicle ( DMV ) on XX/XX/XXXX, the VA DMV mailed the reimbursement to my home address on XX/XX/XXXX however made the check payable to KIA Lease ( Hyundai Lease Title Trust ) in the amount of {$74.00}, I immediately took the check back to my local DMV office who in-turn mailed the check to KIA Lease, again I gave KIA lease until XX/XX/XXXX to reimburse me, my call in XX/XX/XXXX yeilded no answer, my call at the end of XX/XX/XXXX was told they had a check but had not mailed it out, my call as of today XX/XX/XXXX was told that the check for {$74.00} was mailed out on XX/XX/XXXX. 

I asked as to the other information again as noted in my first paragraph as to the account and the {$35.00} credit balance, I was told today XX/XX/XXXX they see no record of a credit balance and that they could send an e-mail but that would take another 4-5 days for an answer. 

I just want to ensure that no once else has these issues, as an consumer I am expected to pay my account on a certain day and I met that, I was never late, however KIA Fiance seems to be able to hold onto a consumers refund until they determine it is OK to release. 

Please find out why my account is not closed, why I can see a credit balance which has not been dispersed and why they also held on a refund that they never were responsible for. 

Thank you XXXX XXXX
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

communicated with the company XX/XX/19 - XX/XX/19 - Sent in affidavit of proof that it was not be that opened the account with a police report. Since then the company has not sent an responding information. Macys - Fraud Investigation Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number ending in - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX USA ( XXXX ) XXXX ( This account is reporting paid off but this is not my account, I have never attend school here. ) I have never went and opened any account with this bank. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX The following I have never applied for. I Did not give any person or person of that company permission to run my credit. These inquiries are not mine. 

XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX XXXX, IA XXXX ( XXXX ) XXXX I also have filed a police report with XXXX Police department XXXX Report number is :XXXX
Consumer complaint received 2019-05-21
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. (UT)

A company with which I have never transacted has fraudulently posted a collection report on Experian. I have disputed the results. It is completely impossible that this has anything to do with me. On what basis are you posting this to my account?
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CO)

First of all, I never owed them a bill. The term of my policy ended, and I renewed it with another company. Secondly, I never received any kind of notice, letter, or anything from them. They are supposed to send me something before placing anything on my credit report. 

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 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

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 2020-02-05
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)

XXXX  ; XXXX  and Transunion are reporting incorrectly a balance due of {$4700.00} as well as the account having been late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss. I have attached a copy of the TOTAL LOSS CONFIRMATION LETTER dated XXXX from XXXX XXXX XXXX Companies. This letter declares that the vehicle has been deemed a total loss due to a collision and that the lien has been paid off. This incorrect reporting of a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.