davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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: ALLY FINANCIAL INC. (FL)

On XX/XX/2019 ally financial inc, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote ally financial inc a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.under section 1681 ( b ) a person shall not or use or obtain a person consumer report for any reason unless-the consumer report is obtained for which the consumer is authorizedto be furnished under the section- ( 2 ) to add on i never gave this company my permissible purpose to run this unauthorized inquiry on my report
Consumer complaint received 2021-01-22
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2021-01-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-01-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

On XX/XX/2015 I applied and was immediately approved for a loan with Oportun/Progreso Financiero in the amount of {$3000.00}. A few months after due to hardships I fell back on payments and due to their high fees I couldnt keep up resulting in default on XX/XX/2015. At that moment Oportun/Progreso Financiero started calling repeatedly friends & relatives disclosing my debt and personal information, during that time I received from them up to 9 calls a day. Soon after I requested not to be called which they honored but they remain calling friends & relatives. 

Throughout the years have tried settling or coming to an agreement with Oportun/Progreso Financiero but unfortunately they have rejected my attempts. They keep increasing exponentially the loan and expect me to pay for an absurd amount completely unrelated to the original loan. 

Recently contacted the XXXX XXXX XXXX in XXXX XXXX for assistance with this account which is affecting my credit score. Unfortunately XXXX  wouldnt take my case due to Oportun/Progreso Financiero being a hard to work with company that follows shady practices. 

The Account was closed & charged off on XX/XX/2015 but they keep increasing the loan amount month after month. As of today the account shows a {$8400.00} balance which is completely inaccurate based on what the loan amount was at the time of charging-off the account. 

**I have submitted letters to the 3 major credit bureaus ( XXXX  , XXXX  , XXXX  ) to dispute the information. 

XXXX  Case number : XXXX XXXX  Case number : XXXX XXXX  Report : XXXX
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The XXXX XXXX XXXX transferred our mortgage to another servicer. They then reported our account as delinquent for over 30 days even though we no longer have an account with them. 

They failed to correct the issue after claiming they would. 

Then they failed to address the issue when I called in again.
Consumer complaint received 2021-01-21
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: American Credit Acceptance, LLC (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX, US SM BUS ADMIN ODA Inquired on XX/XX/XXXX, XXXX  XXXX  Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2020-09-07
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)

The balance of {$7500.00} and past due amount of {$600.00} is not correct because I disputed the charge with XXXX XXXX and they neglected to conduct the dispute investigation in a thorough manner and did not look all the documentation we provided. I never signed on the receipt of services for which the credit card was charged. 
The credit reporting agency, did not investigate my dispute and did not change my credit report and score.
Consumer complaint received 2021-01-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ghidotti | Berger LLP (CA)

Unlawful debt collection : Trustee sale is void Plaintiff : XXXX XXXX doing business as XXXX XXXX XXXX, AN UNMARRIED MAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX FUND TWO, LP XXXX XXXX XXXX personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX  XXXX personally XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX BANK, NA XX/XX/XXXX Prestige Default Services recorded an unlawful Substitution of Trustee in the XXXX XXXX County Recorder intstrument # XXXX for an unlawful debt that was past the statute of limitations in California XXXX 5 years ) as of XX/XX/XXXX. The last payment became overdue on XX/XX/XXXX. The first Notice of Default accelerated the funds which all became due recorded on XX/XX/XXXX. 
XX/XX/XXXX Prestige Default Services on the same day recorded an unlawful Notice of Default instrument # XXXX Disregarded the 30 day period and disregarded the strict policy whereby this 3 'd party debt collector must attempt to contact homeowner. 
XX/XX/XXXX Prestige Default Services records Notice of Trustee Sale instrument # XXXX XX/XX/XXXX Defendant receives Affidavit of Fraud and Notice of Rescission of Signature, with Revocation of Deed of Trust and Revocation of Powers of Attorney XX/XX/XXXX Prestige Default Services sells Plaintiff 's property to XXXX XXXX XXXX XXXX  TWO, LP where XXXX XXXX participated in an unlawful auction that took place after 5:00 pm, wherein the signature had been rescinded from the deed of trust so it was void. You can not give somebody something you do not have. 
On the date when the transaction took place, PRESTIGE DEFAULT SERVICES, LLC was NOT REGISTERED TO DO BUSINESS IN THE STATE OF CALIFORNIA XXXX XXXX had the ability to know, so therefore he did know that the signature had been rescinded so he is complicit in an act of fraud and conversion and XXXX XX/XX/XXXX XXXX XXXX records a void Trustee 's Deed instrument # XXXX XX/XX/XXXX XXXX XXXX files Unlawful Detainer XXXX XXXX Superior court Case # XXXX and XXXX Plaintiff sent verified written communications more than six occasions with proof of service asking defendants for 1 ) a copy of the book-entries so the Plaintiff could make sure that the one who funded the loan is the one who gets paid back, and 2 ) proof that the so-called beneficiary was in possession of the original note and received no response. 
Defendants received the Affidavit of Fraud and did not rebut it at all, whatsoever. 
They also received a Notice of Default with Opportunity to Cure with no regard. 
The sale is void because a ) the signature was rescinded as no TILA was given, b ) an unlawful auction took place after business hours, and c ) no consideration was given to fund the so-called loan in the first place. Deed of Trust is void. Plaintiff does not believe that any evidence to the contrary exists. 
In California, these predators make millions of dollars because of the non-judicial " scheme '' which means there is no tolerance for those who use an unlawful process.
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

Today i received court documents with a court date for midland credit management, inc ... i was never notified that they were even filing a lawsuit ... i was never even offered the option to set up a payment plan to resolve the issue
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX they can not access my credit file. My full name XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (OH)

I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX  they can not access my credit file. My full name XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX they can not access my credit file. My full name XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

a debt collection company by the name of portfolio recovery has XXXX listed account ( s ) from different original creditors claiming that i owe debts to these companies. the following account number ( s ) are : XXXX, and XXXX. 
i've made XXXX written requests to have portfolio recovery validate that these debts actually belong to me, once on XX/XX/XXXX and a second attempt on XX/XX/XXXX. between these dates i was sent billing ledgers stating that i owed debts but no actual proof of original contracts or any documentation with my photo identification or signature on file.
Consumer complaint received 2021-01-22
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. (CA)

Hello, I had a couple lf ulitlies bills I was not aware of due to change of address. I paid off the bills in full around XX/XX/2020. There is still a serious delinquency on my credit report. Experian has not fixed this issue.
Consumer complaint received 2021-01-22
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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Back in XXXX, XXXX I was told that after I made my settlement payment of {$1700.00} on XX/XX/XXXX to Toyota Financial Services for my Toyota Motor Corp account that their dispute group will remove this account from my credit report but once they recieved my payment they did not do anything. I called Toyota Financial Services numerous times and wrote numerous letters of explanations, good faith letters begging and pleading to them to please honor what they said and remove this negative account from my credit report because m currently facing financial hardship due to the XXXX Pandemic. I am XXXX Positive Im very sick and I need to downsize and move into an affordable new apartment ASAP, but this negative account charge off is affecting my credit report negatively and is preventing me from getting an apartment approval. I've spoken to different supervisors at Toyota Financial Services and even they sent emails to their dispute department on my behalf informing them of my current hardship due to XXXX and my request to have this account remove. Prior to making my settlement payment I spoke to Toyota Financial Dept. Collection a XXXX XXXX XXXX XXXX managers numerous times regarding my account they was handling Toyota and I was told this account be removed from credit report. I ' very hurt that Toyota Financial and their dispute group refused to help me. It's like once they receive my settlement payment they did not care about what anything else. I feel it's not fair that I have to suffer for 2 long years I struggled to pay my Toyota account due to financial hardship. Now that I finally settled this account with them they refuse to honor their request and remove this negative account from credit report. I reached out to Toyota Corp office pleading for them to help me. I even reach out to all three credit beau 's I did numerous disputes against Toyota Financial but they could only help s little because Toyota denied each dispute. What am I suppose to do now I can not get any apartment approval or credit credit approval or a home loan approval because of this negative account showing on my credit report. Even though I paid Toyota Financial what I could they refuse to show Empathy and help me during my financial hardship due to XXXX. I've been a Toyota Financial Client since XXXX my account was in good standing until I had an unexpected car accident on XX/XX/XXXX that caused me to total my car and my GAP Coverage Insurance did not cover my full total loss balance which caused me to have outstanding dept with Toyota Financial. This issue ( negative account on my credit report is ) is preventing me from moving forward in my life because I can not get an apartment approval and I must move ASAP.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I will fight this case I promise. This is not the first time Wells Fargo has SCAMMED its customers. You guys already had a fraud case. People lose millions of dollars to Wells Fargo.
Consumer complaint received 2021-01-22
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: Atlas Credit Company, Inc. (TX)

Atlas Credit Company is reporting a derogatory item on my credit file with XXXX, XXXX  and XXXX. This account does not belong to me and I have requested for specific documentation under Section 609, 611 FCRA which requires Atlas Credit Company to provide specific information to me such as copies of authorization to pull my credit, the times and dates of the authorization to pull my credit, copies of any purported contracts or agreements. Although I have requested this information XXXX, XXXX  and XXXX continue to report the derogatory item on my credit report. As of the submission of this complaint Atlas Credit Company has refused to provide the required information under Section 609 FCRA and XXXX, XXXX  and XXXX  continue to report the derogatory item in violation of The Fair Credit Reporting Act. Please find my 4th Notice to ALL parties under Section 609, 611 FCRA.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc. (MD)

I received a CashApp debit Visa card in the mail. I did not request this card. I found a phone number for CashApp but it is strictly an automated system. There is no real person available and no way that I could find to tell them about a fraudulent use of my information. Through an online search I found that XXXX XXXX  is often the bank source. I called the bank. They told me to call Cash App. I found another number for the bank and again was told to call Cash App. I pointed out that they issued credit of some kind since there was an account number on the card. They took that information but that's it. I'm am not really sure they canceled the account. In the past 5 months I have had several attempts to use my identity to open credit cards with my information. I was told by XXXX that since it is a debit card, it doesn't not go through the credit reporting services.
Consumer complaint received 2021-01-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (OH)

Back on XX/XX/XXXX I received a loan for {$370.00}. I was ONLY expected to pay back the {$370.00} and thats it but I am required to pay back $ XXXX? Thats ridiculous! I also noticed that in every other question that minto answers, they always end up saying there was a document stating that you have to pay back the interest within a 10 month installment. I did not receive any document via email stating that I had to pay back that much. I also was not able to log into my account to review any paper work because every time I would, it would say there is ACH activity active, so it would lock me out for weeks until my next payback date. This is a rip off. My last payment date of the {$370.00} should have stopped on XX/XX/XXXX but they are still charging me for THEIR mistakes. I want them to get rid of my information and cancel that account because I shouldnt have to pay back extra money for something that they didnt send me nor allow me to see for myself on my account. I even called a few times before requesting to log into my account and the answers were always the same. Its not fair. I read every single piece of information that was sent out when I received this loan and none of it stated that there was a extremely high interest rate. I am able to view the document now because I am able to log in now, but when I received the loan, I was locked out for months with no information on hand. I want and need them to stop now. They already have the $ XXXX that I owe so I need this to be resolved. This is XXXX.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX  they can not access my credit file. My full name XXXX XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!
Consumer complaint received 2018-04-23
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)

For the past 6 months, my husband and I have been getting " serious delinquencies '' reported to our credit card companies from the credit reporting agencies which is totally inaccurate and wrong. When we ran our credit reports with XXXX they show absolutely no delinquencies in our accounts ( as it should be ) and have never been delinquent with any of our accounts in over 21 years. When we contacted all three credit agencies, they told us that their records show no delinquencies and no problems and to contact the credit card companies directly to get it cleared up. But when we call the credit card companies, they tell us that the information they have is being supplied by the credit reporting agencies and there is nothing they can do about it. We have been in a vicious cycle between the two groups and no one has been able to help us. Every month I have been hoping that the information gets cleared up but it is still being reported as delinquent for some reason. Somebody somewhere is reporting this and it is erroneous information that is affecting our credit scores. Please help us get this rectified. The credit card companies are XXXX XXXX XXXX  and XXXX.
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.