davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-09-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (RI)

In XX/XX/XXXX I financed a vehicle with Carhop, I was XXXX young and XXXX I needed a car fast, so I went to carhop. I put a XXXX dollar down payment on a vehicle. I financed the vehicle for XXXX with XXXX miles and XXXX a week also is XXXX a month the vehicle was a XXXX XXXX XXXX but strongly looks like a XXXX model. I was not able to choose the vehicle I wanted, they had to choose for me .Not to mention they had me test drive two vehicles and one of them was a XXXX XXXX  and the check engine light was on. so I went with the " XXXX '' XXXX XXXX ( not like I had a choice ) Let me start off by saying when I purchased this car it wasnt even the original car key it was a copy key that they gave me! So the first week I had this issue my car did not start. Now when I purchased the car I was told that I had a warrenty and I have proof of that documentation as well and they were telling me I had to solve that issue on my own, so I called the XXXX  and sure enough they were on it. Then a week after that they told me the car was all set but then broke down a few days later, they had a fellow in XXXX take a look at it and said it was the " fuel pump '' fast foward to a couple weeks after that issue was resolved. My prom night, I was left stranded because my car did not start YET AGAIN. THEN, when I threatened them with the XXXX  and a lawyer they magically found a resolution to start my car. Because it was a ghetto copy key and not the original key I had to turn the key in second position and wait 15 minutes before starting my car again because they KNEW it was a security issue from not having the original key, and the original key contains the chip. I had to do this everytime I started my car. They stated that the security system is causing my car to not start. I got sick of putting money into this junk and let them reposes it. When they reposessed it, the vehicle was not running. Turns out they sold the car for like XXXX dollars, XXXXXXXX XXXX XXXX  value wasnt even worth the amount they were trying to sell it to me for. A few months after purcahsing the car that carhop in Rhode Island was shut down because of the lemons they were selling to consumers, and they were being sued. They sold me a lemon and up until now I felt so powerless I had no Idea who to go to, who to speak to about this. They lied about reporting my payments to the credit bureau and left me with a XXXX lemon debt on my credit report. After reading hundreds and hundreds of consumer reports online, I cant even think to believe how this corrupt company is still in buissness.
Consumer complaint received 2020-09-12
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. (CA)

Hello please help. 

I have 3 concerns.

Dispute ; 1 Experian is reporting my closing date with XXXX XXXX XXXX  card on XX/XX/XXXX when it is ( XX/XX/XXXX ) I have notified Experian with a letter of proof from XXXX  XXXX 5 times online and 3 times via letter and they refuse to correct my closing date. Also XXXX & XXXX in not reporting this ctedit line at all and needs to add it. 

Dispute2 All three credit bureaus is reporting 4 late charges XXXX, XXXX, XXXX, XXXX of XXXX on my credit report where XXXX cleared the discrepancy abd provided me a letter which they have having all the late fees removed but no change has been updated. Ive made 4 attempta with a letter from the merchant
Consumer complaint received 2020-09-12
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

XX/XX/18 spoke with my bank, XXXX XXXX customer service, to get new atm card. 
in process the agent went into a program from one of the 3 credit reporting agencies to " VERIFY ME '' ... This is the second time in a week I have had this horrible experience. 
What is happening is that the first question is : What is the prefix for the phone # ending in these last four digits..? These agencies are going 10 to 30 yrs back as what I have been told. I have a learning XXXX, but who the XXXX is going to remember the prefix of a 20 yr old phone # anyhow? The other call had asked me the same stupid question, and what of these four cities did i live in? I lived in two of them and told her ... she said YOU HAVE TO PICK ONE!! I did and obviously it was not the correct one for them. I was also asked whom I am closely .... associated with of four names ... none .... but one was an ex from 30 yrs ago ... People with learning XXXX and the elderly ( i am both ) are being denied services because they cant be 'VERIFIED '' through these credit agencies. The first one was getting a phone which I was denied due to this XXXX. Who the XXXX is going to remember obscure phone info and other info. from 10 to 30 yrs ago? Let alone the elderly and people with XXXX? arrrrrrg ... This is flat out wrong! like I had lived in two of the 4 options but was told I was wrong ... denied services..arrrrg. 
This needs to stop and stop now! it was as frustrating for the gal I spoke with as it was for me to deal with it. 
This is discrimination against XXXX people and the elderly at the very least ... 
Personally I dont think the avg. person could get all these correct. 
thank you. sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and making it hard in me and my family financially. I need this information removed from my credit as soon as possible.
Consumer complaint received 2017-06-20
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. (NJ)

I first sent the inquiry removal letter to each credit bureau and called. I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. When I reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission they just keep telling what a inquiry is. Please remove the inquiries on my Equifax report and XXXX report.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

I had first forensic DNA when no any one forensic DNA agency in XXXX, had training subject matter form XXXX XXXX XXXX XXXX. 
As Development nation XXXX Police and Army personnel unskilled in nature about Constitutional Rights and procedure amone civilian, it first disconnecting internet since XX/XX/XXXX to XX/XX/XXXX for their preference web I may permitted about it it several complain submitted ic3.gov no result. 
I had also A commitment between me and United States of America fund and technology but gangs blocking all rights inhere in XXXX, succession property interest with others income. 
Financial criminals unlawfully obtaining my property using several ways and I have received one email from USAA for E-Payment at my another email is XXXX at Sun XX/XX/XXXX, XXXX XXXX, i had tried to contact but sender was false, sender email ( XXXX ). 
to day XX/XX/XXXX I have participated online registration with https : //www.usaa.comXXXX and this agency get my all confidential data are date of birth, passport number all accurate but after completion web site replied false " We're unable to complete your request online. '' This type of Online Banking or Institution unlawfully transaction beneficiary property and as I am foreign person I am serious victimized against this powerful gang. 
Requesting investigation and action appropriate according to International law related analysis it corruption and Official Bribery and according to Statute of International Criminals Court it is International Humanitarian law violation.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm a victim of identity theft, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquire 's and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in this matter.
Consumer complaint received 2018-07-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I called Equifax to dispute a collection account on my report that was being reported with no name or contact info for the credit. Equifax gave me the missing info and I filed a dispute as I do not have any outstanding bills with this company ( Credit Bureau Services, XXXX XXXX, CA ). I also called XXXX and they are out of business. The dispute came back that the debt was verified. How could Equifax verify the information if the company is out of business? I want Equifax to delete the erroneous information and stop lying to consumers are bout verifying information when THEY DO NOT!
Consumer complaint received 2018-07-26
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: SYNCHRONY FINANCIAL (AR)

My name is XXXX XXXX XXXX ; I moved in 2016 to my new address. Synchrony Bank were sending out my credit card information to my old address of XXXX XXXX XXXX XXXX, XXXX Arkansas ; after I had reported my new address to them. Someone or businesses stole my identity at this old address, through email or etc. I was viewing my credit card statements, and have been continuing to pay these fraudulent charges on credit cards that I never made. I have been in the hospital fighting Triple Negative XXXX XXXX for the past few years.After viewing my mail, card security had paid off my credit cards statements due to XXXX. I should have a zero balance after my cards were paid through card security/ Synchrony Bank . I havent made a purchase on cards in several years. The fraudulent cards includes, XXXX, last XXXX digits ( XXXX ) XXXX, last XXXX digits ( XXXX ) XXXX XXXX XXXX last XXXX digits- ( XXXX ) XXXX  last XXXX ( XXXX ) XXXX XXXX master card, last XXXX digits ( XXXX ) - I reported this card opening in my name as fraudulent. XXXX last XXXX XXXX : I didnt authorize anyone to use these cards after they were paid to a zero balance. Its totally not fair to me to keep making payments on these cards. Im not sure if my card ( s ) information were stolen online, in store, or old address. I have been reporting these cards as stolen through credit bureaus but Synchrony Bank refused to investigate these following cards as fraudulent. I however since fraudulent charges were made on my cards refused to keep on paying for something I never used.
Consumer complaint received 2018-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/XXXXa correspondence was sent via certified mail along with an Affidavit of truth/Identity to Common Wealth Financial Services after receiving an alert on my credit report in regards ta an alleged account ( # XXXX ) a medical account that was originally established between XXXX XXXX XXXX XXXX on/or about XX/XX/XXXX. By it being a medical account I requested verifiable proof of them having original contract between myself and their company with my wet-ink autograph ; the contract with myself and XXXX XXXX XXXX XXXX signing giving permission to disclose such private info as it violates HIPPA of XXXX/ FDCPA 807 [ 15 USC 1962e/ Sect. 609 ( a ) ( 1 ) ( A ) ]. Haven't heard anything from them since and their mark on my credit file is damaging. I informed them that if a fair resolution isn't reached then legal matters will entail. By way of Notice of Fault & Opportunity to Cure, Affidavit of Notice of Default, and Affidavit of Certificate of Non-Response will follow and will follow with legal matters and ask for jury trial to remove from small-claims court jurisdiction to obtain larger settlement.
Consumer complaint received 2018-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Asked company to look into an entry on my credit report, Transunion is reporting a usury account illegal ( Both civil and criminally ) in NYS. I have attempted five times to get an explanation as to why transunion is disregarding NYS law. They normally respond with a boiler plate answer that does not address the issue. Now, they aren't even responding. Please note that this is the only credit reporting agency that has refused to remove the entry in question.
Consumer complaint received 2018-08-23
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: Experian Information Solutions Inc. (NY)

THIS IS A COMPLAINT AGAINST A COMPANY NAMED XXXX XXXX/XXXX XXXX. THIS COMPANY WAS TOLD AND SHOWN ON NUMEROUS OCCASSIONS THAT AN ACCOUNT THEY ARE REPORTING TO MY EXPERIAN CREDIT FILE IS FRAUDULENT AS I AM A VICTIM OF IDENTITY THEFT I HAVE A POLICE REPORT AND THEY WERE NOTIFIED NUMEROUS TIMES GIVEN A COPY OF THE POLICE REPORT, AND THEY STILL ARE REPORTING THIS ACCOUNT TO THE CREDIT BUREAU. THIS IS NOT MY ACCOUNT IS WAS A DIRECT RESULT OF IDENTITY THEFT I SUSTAINED, AND THEY ARE NOW REPORTING IT IN COLLECTION WHICH HAS DESTROYED MY CREDIT PROFILE. I HAVE ASKED THEM WHIT COPIES OF ALL THINGS THE FCRA TOLD ME TO SEND TO THEM, POLICE REPORT, MY ID, ADDRESS ID, EVEN A COPY OF THR FCRA SECTION 605B, AND SENT IN NUMEROUS COMPLAINTS TO EXPERIAN CREDIT BUREAU. THE CREDIT BUREAU TOLD ME TO SEND THEM A LETTER WITH ALL MY PROOF, WHICH I DID AND STILL THEY HAVE REFUSED. I HAVE NOW SEEKED OUT LEGAL COUNSEL TO POSSIBLY BRING THEM TO COURT IN THIS MATTER. THIS WILL BE MY LAST ATTEMPT TO FIX THIS FRAUDULENT ACCOUNT ON MY EXPERIAN CREDIT FILE, BEFORE I GO TO COURT.
Consumer complaint received 2018-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.
Consumer complaint received 2018-07-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

UPON TURNING IN A AUTO-LEASE TERM, FAKE DAMAGE REPORT WAS SUBMITTED FOR PAYMENT? 
XXXX XXXX finally wrote off the charge but will not remove my DELINQUENT REPORT FOR " 7 YEARS '' which reduced my credit FICO score by 100 points WITH EXPERIAN REPORTING? 

YOU can't injure a Person 's Credit for " SEVEN YEARS '' [ CHARGE IS " SLANDER OF CREDIT STANDING? & DEMAND COMPENSATION FOR INJURE ]
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (TX)

Greetings, Property, : XXXX XXXX XXXX, XXXX Texas XXXX You may have to open another category for such a Misrepresentation of facts and complaints. 
As an investor who purchased a property from XXXX County Constables Foreclosure Auction located in XXXX Texas on XX/XX/2018 Im contacting your office asking for assistance. 
This is about attorneys ( Linebarger Goggan Blair & Sampson, LLP ) which representing the XXXX County at least in this matter. Misrepresentation of fact and or mistakes has happened which is outrageous and despicable. 
This law firm representing XXXX County constables foreclosure auction which take place on first Tuesday of every months and this law firm is responsible party for all legal work and data presenting to constables for all eight ( 8 ) Precincts for Auction. 
This is about a house which was sold in the same auction for a value based on what it has been apprised by XXXX County appraisal district ( XXXX ) ( attachment1 ) and Daily Court Review News paper release ( Attachment2 ) and their wide screen monitor. 
the picture of house shown in the picture ( attachments3 )  MYSTERIOUSLY THE HOUSE DOESN'T EXIST but a empty lot. 
Obviously the law firm didnt correct the fact and irresponsibly sent the incorrect information to constable, as constable informed me. 
I have called the law firm and spoke to person named XXXX few times he agreed with me however he didnt have any authority to rewind the sale or offer any solution except asking me to talk to attorney in charge Ms. XXXX who refused to come to the phone to talk to me. Then XXXX asked me to write her a letter and I wrote three letters one certified mail and two e-mails explaining the problem but Ms. XXXX sent me an e mail and offered no solution. 
I understood attorney XXXX is the attorney in charge of this matter and she is not willing to admit her mistake and misrepresentation of the fact. 
I went and met Sergeant XXXX who is the head of XXXX county constable foreclosure auction for XXXX XXXX ( where the property was bought ) and he is the in charge officer who sold the property to me as a higher bidder, Sergeant XXXX agreed 100 % the mistake or misrepresentation has occurred by Linebarger Goggan Blair & Sampson, LLP law firm and they are the one who need to correct or rewind the sale, but attorney XXXX refused to do anything about it. 
At this point I contacted your office ( CFPB ) to file a complaint and the lady at your office asked me the it is better to file complain on line. 
Your assistance in this obvious wrong doing is greatly appreciated, For any additional information please call or e-mail me, Thanks, Regards, XX/XX/2018