davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-27
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: Continental Finance Company, LLC (FL)

Hello, I have asked the following companies to remove the following negative inquiries which I am not aware of from my XXXX XXXX credit report. There customer service would not help me. 

Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As you can see, these are multiple items They are not mine and are having a huge impact. 
Thank you XXXX XXXX
Consumer complaint received 2018-05-26
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. (WI)

Sent : XX/XX/XXXX To : CFPB Subject : Having problems with XXXX XXXX XXXX My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of XXXX XXXX XXXX, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ XXXX monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to XXXX XXXX. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-01-23
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: World Acceptance Corporation (SC)

Called the company in ref to account on my report only thing said is thats it a old account i then reported to the 3 XXXX XXXX anf XXXX XXXX XXXX and no update was done
Consumer complaint received 2023-06-07
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. (CA)

On XXXX I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-05-26
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. (WI)

Sent : XX/XX/XXXX To : CFPB Subject : Having problems with XXXX XXXX XXXX My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of XXXX XXXX XXXX, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ XXXX monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to XXXX XXXX. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-24
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: Midwest Recovery Systems (DC)

I don't know this account. 
All it says is that it's a 'bank account OR card opened up with my social security # ( the alert showed on my XXXX , apparently it was reported to XXXX  ) and name. 
I have only one bank account at XXXX  XXXX XXXX so any other cards or accounts opened up after in/after 2011 are fraudulent. 
This company reported XXXX to my credit score. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed, Show they are licensed to collect in my state ; and their license numbers and Registered Agent. If your they fail to reply to this debt validation within 30 days from the date of the eceipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2018-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

I purchased a car from XXXX XXXX of XXXX on XX/XX/XXXX. 
The vehicle was financed through Chase Auto Finance for {$37000.00}. 
An online account was set up to make payments, with chase account ending in XXXX, and we made our first payment before the first due date ( XX/XX/XXXX ). 

On XX/XX/XXXX, I received a credit alert email, saying that a new account had been created using our social security numbers and my credit has changed. 
Chase Bank somehow created a duplicate loan/account of the exact same amount, and the account ends in XXXX. 
I have called both Chase Auto Finance and the XXXX Dealership and both pin the blame for the duplicate loan on each other and aare not offering any solutions. 

This duplicate account negatively affected our credit scores greatly, and it shows that we are late in payment, which is not true because the payment on the real loan was actually made. This is very bothersome and negatively effects my " 100 % on time '' payments. 

Isn't it illegal for Chase and/or XXXX to create a new loan/account in our name without our knowledge or approval? 
Would it also be illegal that Chase and/or XXXX used our social security numbers to negatively effect credit scores without our knowledge or approval? 

Please Help!!
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On my XXXX account online, XXXX showed a list of selected credit card offers for me. These are credit cards I can apply for and get approved. Ive applied for a credit card that was on that list on XX/XX/XXXX. I got a rejection letter in the mail on XX/XX/XXXX. I want to complain, because this is false advertising and the credit card application increased my number of inquiries unnecessarily ( from Equifax ). This inquiry should be removed from my credit report since this is XXXX fault. They shouldnt be giving me offers if they will just reject my application.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX  representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (IL)

Signed up for paperless billing. Offered a 10 % off coupon for the anniversary date of XX/XX/18. Never received the coupon. Contacted XXXX   about the problem. Informed that I also needed to sign up for email alerts. Signed up for the alerts. Never received the coupon. XXXX failed to email a bill for the month of XXXX and failed to send the coupon. Now XXXX sent me a statement with a late fee and interest charge for not paying a bill that they never sent. Got the late fee and interest waived and paid off the current bill. Still no coupon and no help rectifying the problem.
Consumer complaint received 2018-05-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceptance account XXXX, have reported in my credit that i voluntary repo, i didnt my estranged husband jump on me and took my car in XX/XX/XXXX and i havent seen it since, ( call police and they told me it was his property as well even though he wasnt on the loan ) until one day he call and curse me out saying haha i turn ur car in, but when i call credit acceptance i was told that they didnt have my car and that i need to file a report, so a few days later the police confirmed that it was a voluntary repo, but wasnt by me about that time i finally got the company to admit they had it, it was sold and never was given any info how much it was sold for until seen on my credit, they havent reported since XX/XX/XXXX, this is and repo on my credit that could have been avoided if they wouldve admitted they had my car and i paid to get it out, but they didnt, now this bad Mark on my credit they just have here no updating just there, i tried to reach out to them plenty times with no help this is unprofessional and really dont care now since it been almost 5 years they lied to me that they didnt pick up my car i never volunteer them to do that as they report on my credit .. please help
Consumer complaint received 2018-05-25
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. (TX)

I was a victim of Transunion inquiries issue and their customer service wont want to help me to remove them. 

1- XXXX XXXX - inquiry from XX/XX/XXXX 2- XXXX/XXXX - inquiry from XX/XX/XXXX 3- XXXX/XXXX - inquary from XX/XX/XXXX 4- XXXX/XXXX - inquiry from XX/XX/XXXX 5- XXXX/XXXX - inquiry from XX/XX/XXXX 6- XXXX/XXXX - inquiry from XX/XX/XXXX 7XXXX XXXX - inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-31
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. (PA)

Hello, My name is XXXX. I am writing again in reference to the fraudulent XXXX XXXX account on my report. I just spoke with two representatives who identified themselves as supervisors, XXXX ( XXXX ) and XXXX ( XXXX ). They both advised that when I sent my complaint through CFPB that my FTC report was not attached to my complaint and they have no record of it. I have already sent in my I.D and social security card and it was confirmed Equifax has received it so I will now attach yet another copy of this FTC report. Please remove this fraudulent XXXX XXXX Account from my report. Thank you
Consumer complaint received 2018-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, i noticed my balance went down in my bank account, so I logged in online to see what happened. To my surprising I found out XXXX XXXX took {$440.00} for ETF from my checking account without my AUTHORIZATION! And then it was almost a year later since I had them. I cancelled auto pay with them a week after having them because bill came a week later saying due in a couple of days. If not mistaking I cancelled auto pay XX/XX/XXXX, after me logging on and finding out this information for my records i was able to see I signed up for XXXX XX/XX/XXXX. I never signed a contract. They sent me a copy to my email, that they never had on file until recently, ill say a week ago that i gave them to send a copy of contarct. When i fianlly gotten it, it was forged signature saying I signed it and I didn't! I even fax in a bunch of copies of my signatures going back from XXXX, to show my signatures never change! The bank is no help either. The bank say because now the signatures don't match XXXX says it's a legal matter! I ask for money back from XXXX, XXXX said no, because I signed contract. Again I didn't and cancell auto pay a week later. Also XXXX closed my account and placed for collections XX/XX/XXXX but on my credit report it shows XXXX and this account has been closed close to a year now! And then on credit report it shows {$750.00}. So they had that on there whole time not including the {$440.00} they took out my account on XX/XX/XXXX. Because on one credit report they have {$1100.00} and then experian {$770.00}. And its still like that now! I need help getting justice from this company! In having this issue with them I just seeing this is an ongoing issue with this company and something needs to be done about this!
Consumer complaint received 2018-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Portfolio recovery is now knowingly reporting collections to my credit reports. I have disputed this account several times as fraud and they will not conduct a proper investigation. They sent me only a letter from XXXX XXXX that stated that they owned the debt now. This debt does not belong to me and I would like it to be immediately removed from my credit reports.
Consumer complaint received 2018-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I advice Ace Cash Express Corporation in XXXX, Tx on XX/XX/XXXX-XX/XX/XXXX that I am working The Dept Consolidation Company Consumer Capital Advacates along with XXXX XXXX  XXXX XXXX XXXX to settle and resolve my loan Dept account. 
Customer ID:XXXX. 
And provided them the Documents by E-mail to direct all communication with my Dept Consolidation Company who is trying to settle my loan dept. 
They went to go threaten me as and customer consumer telling me if they don't received any payments they is going to threaten collection action when my dept Consolidation group advice me to reach out to Ace Cash Express to contect them regarding my loan account. 
To set up and settlement agreement to resolve my loan account
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/2017