davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (UNITED STATES MINOR OUTLYING ISLANDS)

I purchased a vehicle thru XXXX XXXX and XXXX yrs into the loan thru Exeter finance I find out that there where 2 different contracts with 2 different amounts that I was totally unaware of the one exteter finance has that the dealership sent to them with my signature fraudulent activity using my signature but not from me I made both the dealership and finance company aware of this and they rapidly blamed each other and the dealership also refused to show me any proof of my purchase or contract I was told the car was brand new and that I was sold a extended warranty that I later found out was not true on the contract the finance company had as well as a vehicle I had I plan to trade to the dealership was showing in the contract as a trade when I actually was told by the sales guy they won't be taking my trade I went to the dealership with the finance company on the phone and was treated so bad I cried they kept saying that the finance company had gotten my contracts confused with another company the lady at the finance company was hearyhim say this and told me he was being recorded and to stay calm but later they both have yet to fix issues also the transmission had went out XXXX months after i purchased but kept being told due to XXXX i cant get in for repair then later i discovered this because i had the fun company send me there copy when i notice the amounts where off during attempting to make a payment over the phone with a rep who later sent me a copy of the ond they where sent please help me i am mentally exhausted heart broken I honestly went to the dealership trying to better my financial future and it made my worst nite mare a reality please help i am in the process of tryin to fix my credit and this is not right thank you to whom this may concern
Consumer complaint received 2017-02-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Glasser and Glasser, PLC (MD)

I have disputed this account with the agency. They keep sending me collection accounts, I requested proof I signed this they only sent me statements,. I requested more and more information but seem like they do n't care only to collect. I request for them remove this off my credit report.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I was sick at the time the account was open. someone who was living there at the time stole my information and open serval accounts under my name i have no knowledge of the accounts including the bank account that was made under my name. i would love to have this removed. 


MIDLAND CREDIT MANAGEMENT XXXX
Consumer complaint received 2023-08-05
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)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ, XXXX XXXX Fair XXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 2022
Consumer complaint received 2023-08-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

It has come to our attention that XXXX XXXX XXXX has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within XXXX ( XXXX ) business days or accepted for its intended purpose within XXXX ( XXXX ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (CO)

I paid a mobile mechanic {$290.00} on XX/XX/XXXX to purchase parts for my car to repair it with my us bank debit card. The mobile mechanic never returned with parts to fix my car, never returned at allXXXX I filed a dispute with bank. I was given a provisional credit of {$290.00} on XX/XX/XXXX. On XX/XX/XXXX I faxed a form to bank with additional information. On XX/XX/XXXX they reversed the credit saying I did receive services from mechanic, which is untrue. When I called they said they tried to reach me and left voice-mail. On XX/XX/XXXX I spoke to us bank customer service, she said they never called they didn't have number. I have a mortgage with this bank, direct deposit. I feel like I'm being lied to. I tried calling again on XX/XX/XXXX, they said a fraud investigator would reach out within 48 hours. No response again. I called today XX/XX/XXXX and again was told a fraud investigator would reach out with 24 hours. I paid the mechanic with my own money I let them know right away what happened. It was still pending. This is not right.
Consumer complaint received 2023-05-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-08-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: VW Credit, Inc (WV)

Over the past couple weeks I have been trying to get an auto loan. However almost every single bank has turned me down without even a counteroffer, just a denial. I have no idea why this is because my credit score is not awful its like a XXXX and I dont owe anyone any money so my DTI and my credit usage are both 0 %. So there is no reason for me to not be able to get an auto loan, Ive never had any issues up until I returned a car to XXXX XXXX XXXX where Im convinced they have put something on a portion of my credit that I am unable to see but the banks can and thats why Im getting denied like I am. I have bought over 15 cars since Ive been driving and Ive done no money down with worse credit and gotten approved but now I dont wan na do money down but I just get denied over and over, even from places that have approved me before with no or little money down and it didnt start until I dealt with XXXX XXXX XXXX XXXX This is causing me serious financial issues because I can not work without a car, and Ive tried every type of car and dealership and even the dealerships are confused as to why the banks arent countering with a down payment amount or different terms or something but they arent. Something is not right and I want it fixed.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

My federal  student loans were transferred from XXXX XXXX XXXX NELNETXXXX XXXXXXXX instead of showing the original XXXX XXXX  accounts as closed, just doubled my student loan amount instead and added the NELNET accounts without closing the original XXXX XXXX  Accounts. I attempted to dispute this information on XX/XX/2023 with XXXX but they did not change the information to accurately reflect the account status after investigation. All of my other credit reports are properly showing my true student loan balance, and my former federal  government loan provider ( XXXX XXXX  ) has told me theres nothing they can do to update XXXX again. 

Confirmation # of Dispute filed with XXXX about duplicate amounts showing on federal loans : XXXX
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/year> my daughter went into navy federal credit union in XXXX XXXX  on XXXX highway between XXXX and XXXX ; XXXX to request her access number so she could began her online access. She showed her valid drivers license and was provided not her information but all my information illegally the young man working at the bank gave her my access code and all my accounts I have with them. He even gave her a temporary password to change my accounts. He violated my privacy rights and breach of contract She was not of my account and therefore not authorized to gain this private information
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WASHINGTON FEDERAL BANK (OR)

On XX/XX/23 I walked into WAFD BANK TO DEPOSIT A CHECK?, from XXXX XXXX? ( a friend/ step dad ) he normally wires me money from XXXX XXXX  XXXX XXXX XXXX, I asked to deposit my check ( {$4000.00} ) & they said sure. The check was cashed & processed & posted to the account on XX/XX/23?, according to WAFD REPRESENTATIVES?, & online banking evidence ( proof of the {$4000.00} posted/credited to my XXXX XXXX XXXX ACCOUNT ( XXXX ) ( a savings acccount ). On XX/XX/23 the bank released my check hold?, authorization to release my funds of {$4000.00} to my money market account?, FUNDS WERE AVAILABLE TO ME & THE CHECK WAS CASHED & CREDITED & POSTED TO MY ACCOUNT?, On XX/XX/23?, someone in administration of WAFD BANK?, stole my money ( {$3000.00} ) & proclaimed, that ADMIN : return CAN XXXX XXXX On the contrary, the check already had been cashed & processed on XX/XX/23? The representatives of WAFD BANK said, THERE WAS A STOP PAYMENT PLACED ON XXXX on XX/XX/23? I dont know what those people in the back office of WAFD BANK is doing to my accounts?, but they are stealing {$25.00} from each of my wires & they are placing stop payments on my checks & they are committing serious fraud?, & they are refusing to explain to me the situation of why they are stopping payment on my check XXXX that has already been cashed? As well as returning my money or crediting my account for the amount relinquished. They are seriously hurting me financially & it has caused my finances to go into default debt for the moment. Please help me to recover my cashed check XXXX & ( {$4000.00} ) have it immediately credited & posted as was back on XX/XX/23?, it is illegal to place a stop payment on an international check that has already been cashed & processed in the account. Greatly appreciated, thank you.
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had recieved a letter from the Department of Education that all my student loans were forgiven due to my current and XXXX XXXXXXXX. XX/XX/2024, as the statement states that all my accumulated student loans were forgiven. I still see my account being active and I still see on the Student loan and XXXX  website my loans are still active. It also shows up on all of the XXXX major credit agencies.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


US DEPT ED XXXX {$3600.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7900.00} US DEPT ED XXXX {$5600.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4300.00} US DEPT ED XXXX {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX  XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Consumer complaint received 2017-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

I had send money via MoneyGram to someone. The time of completion of request on the receipt was XXXX on X/X/15. I called the company at XXXX on same day to cancel and get a full refund. I was on hold for 2-3 minutes. The phone rep came on line and it took him another 10 minutes to process the refund.
I picked up my funds minus the fee of {$11.00} the next day.
I have since then called the company and per the manager, I should not be getting the fee back because the transaction completion went over 30 minutes.
Note : With his poor comprehension skills, it was very difficult for him to even state this statement to me, but this is the best I could make out of his words he was throughing at me!
I found it very thought to explain to the non native speaker of English on the phone that I had initiated the refund call within 30 minutes and that should be looked at and not the time it took for the phone rep ( another person who could barely speak English ) to process the refund completely.
It appears the manager was not even aware of the 30 minute refund policy on back of the re riot.
FYI- Please note that before speaking with the manager I was initially speaking to another phone rep who told me that I should not be getting the fee back as I called 2 days after the event.
This is not true as there is no statement on the receipt that tells you to call back within one day for any dispute.
Consumer complaint received 2023-05-14
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: EQUIFAX, INC. (SC)

I have been a victim of identify theft theres tons of inaccurate information on my credit report and i cant get any help I have tried sending letters and making a complaint I HAVE EVEN CONTACTED SOME OF THE LSTED PARTIES WAS ADVISED WILL BE REMOVED BUT NOTHING HAS BEEN DONE. 

Please help me remove the several mailing addresses I only have this address ALL others should be removed ; Correct address XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount GR Holdings, LLC (VA)

Identity fraud regarding a company named GoodLeaf, LLC. It appears that the company has placed a XXXX lien against a rental property I own for a loan I didnt apply for fraudulently. I have never applied for a loan with this company and the address listed on the XXXX financing statement under my name is that of my rental property I own and not my personal address. 

The account number listed on the XXXX financing statement is : Acct # : XXXX The company address is : GoodLeap , LLC XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Theres also a XXXX XXXX XXXX as : GoodLeap , LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (CA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-10
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. (MD)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXXXX/XX/2024 - {$11000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-05-13
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: LEXISNEXIS (MD)

I have received Several copies of my LexisNexis report which reflects no bankruptcy being reported yet XXXX claims the LexisNexis verified the bankruptcy they are reporting so i am requesting and investigation into why and where the mix up is and why i would like the data furnisher LexisNexis to communicate with XXXX to have this situation rectified asap
Consumer complaint received 2023-08-05
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: CAINE & WEINER COMPANY, INC. (AL)

I reached out to Caine and Weiner via phone call and asked them to verify the debt belongs to me They listed and address that isnt mine and something pertaining insurance with progressive but I dont have any cars in my name. They told me to file a police report and itll be removed it, it hasnt been removed and below I have an updated copy of the filled police report
Consumer complaint received 2017-09-07
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. (IA)

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Tranunion ran an unauthorized credit inquiry on me on XX/XX/XXXX and XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX/XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX