davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (DC)

This case was closed in XX/XX/2019 and I am still being harassed by 3rd party attorney offices, and XXXX XXXX XXXX. Information was pulled from XXXX XXXX XXXX, public records. 


Discover Bank : DISCOVER BANK VS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Category Civil Case Type CONTRACT/ACCOUNT Case Filed Date XX/XX/2019 Judge XXXX XXXX XXXX XXXX Closed ( Closed )
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Prosper Marketplace, Inc. (FL)

We are doing a Home Loan for our Borrower and it required a conference call with XXXX  and the creditor to confirm that the Borrower had paid off his Account with Prosper. Borrower speaks zero English other than to be able to say his name, date of birth and last 4 of his social. Both myself and the Agent from XXXX  were on the line to assist with translation as needed. We requested someone at Prosper that spoke XXXX and the proceeded to advise us that they only speak English there and no XXXX agents or any other language. Propser Agent advised that they would not allow having a translator on the line even though Borrower DID answer the validation questions they asked which were his name, date of birth and last 4 of social. I requested a Supervisor and explained the situation and Supervisor stated that Borrower should not be applying for a home loan with us if he does not speak English. Prosper refused to complete our request or provide confirmation that the balance on their end has been paid in full.
Consumer complaint received 2019-11-19
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: Mercedes Benz Financial Services (FL)

This is a complaint against MERCEDES BENZ. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (PA)

LVNV has placed a debt on my credit that I paid XXXX XXXX XXXX for {$760.00}. I paid XXXX this amount on XX/XX/XXXX. I provided LVNV a letter from XXXX stating that the debt was paid, I also sent proof of payment from my bank statement. I emailed the info on XX/XX/XXXX and faxed the proof on XX/XX/XXXX. I have also called on 3 separate occasions. However, LVNV is stating they dont have enough info to remove the debt. LVNV bought the debt from XXXX who bought the debt from XXXX XXXX.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc. (CA)

I live in XXXX California and on XX/XX/2023, I mailed out my monthly payment for my XXXX XXXX to XXXX XXXX XXXX located in Arizona. I was sending the company my XXXX payment in the form of a Cashier 's Check, so there would be no delay in posting it. The cashier 's check was self-dated for XX/XX/2023 and it was issued by XXXX XXXX XXXX  Once I received the check, I immediately dropped it off in the US mailbox outside of the bank, which has a pickup time of XXXX sharp. On XX/XX/2023, I decided to log into my XXXX XXXX account and view my credit reports to see what balances were being reported on my credit cards and immediately noticed my credit score on the credit bureaus had dropped XXXX points. I immediately scanned my entire consumer profile and noticed XXXX XXXX XXXX ( aka GM Financial ) had marked me 30 days late on my car note. In 25 years, my credit has been flawless, I've never missed a payment or defaulted on a loan. The following morning, I contacted GM Financial to find out what's going on and they said I was 34 days late on my car payment. I said that's impossible. I said I sent the payment out on the 15th and worst-case scenario it would have been there no later than Sept 19th. The rep replied, we show it arrived on the 23rd. I said there's no way possible it took 8 days for my car payment to go from XXXX XXXX to XXXX. I said I even sent you guys a cashier 's check, which acts the same as cash and the payment should have been credited immediately. He replied back they have no record of that. I said that's impossible. I said was my payment just sitting for days in your po box , instead of being credited to my account. He didn't respond back. All he said was we show we received it on XX/XX/2023. I said you guys just screwed my credit. I want the 30-day late payment removed from my credit report immediately. This is your guy 's screwup, not mine. I said my payment was there on time, but I'm willing to bet one of your employee 's neglected to go to your po box and retrieve my payment and other customers payments which were there on time. He didn't respond back. I said your company 's going to remove that 30-day late payment from my credit report or I'm going to take every possible legal action against you. The conversation ended with no resolution. That afternoon I sent GM Financial, XXXX, XXXX, and XXXX all letters including copies of my cashier 's checks, which show the XX/XX/2023, date on it. Because of GM Financials employees and their ability not to do their job properly their customers are the ones paying the price. After 25 years of clean credit, they destroyed it. I want that 30-day late payment removed from my credit reports immediately. Thank you.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The following companies are reporting accounts on my credit that I have not authorize or have knowledge about. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The following companies have illegally accessed my credit report resulting in a hard inquiry XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX I am requesting under the consumer fair credit reporting act that all of these to be removed from my XXXX, XXXX and Equifax accounts.
Consumer complaint received 2019-11-19
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. (TX)

They told me my loan could be forgiven if i signed up. They pressured me in to signing up. I tried to stop them but they still tried to take money out of my account. They took over my loan, and didn't provide me with any information about the company. I dont know the name or agency they are with.They informed me that they were part of the student loan agency. I feel like i was tricked.
Consumer complaint received 2019-11-20
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)

Asked Equifax to remove fraud account from credit report 4 times. Provided the police report as requested by Equifax. Was told that police report provide to them was not a police report. In a federal lawsuit filed by in 2006 by me against Equifax, it was agreed that I would inform them of any inaccuracies and fraud on their report. Other two credit bureaus have removed inaccurate information.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2019-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (IL)

XX/XX/XXXX took a payment for {$3200.00}, XX/XX/XXXX took a duplicate payment for {$3200.00}. I called and spoke with a rep ( XXXX was her name ) and she told me they should have not been able to take the duplicate payment as my balance was {$0.00} but they did. I have called my bank to dispute the charge also as the rep advised me to do.
Consumer complaint received 2019-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Neon Newco Corporation (CA)

I work for XXXX XXXX  as a XXXX XXXX  for school children. I setup direct payment into my debit card account with Netspend. 

My last deposit was flagged by Netspend because it was booked as a refund they have placed a hold on my whole account. 

I can not access anything. I was told specifically I can not close my account, I can not access the funds not in question. 

Customer service hung up on me after an hour on the phone when I pushed to close my account
Consumer complaint received 2019-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX I went into Chase bank to deposit insurance check from XXXX in value of {$35000.00} dollars. XXXX XXXX from the local branch and XXXX XXXX XXXX Chase Claim Dept. ) both said I will have funds available to use the same day. XXXX endorsed the check and deposited it into my account. I then wrote my contractor a check for payment of the work completed in my rebuild from the flood my house took. On 2019XXXX I received email alert from Chase my account was overdrawn. The {$35000.00} funds were removed from my account and went into negative balance. I went to the Chase branch and spoke with XXXX. He said it is an XXXX issue. My spouse and I went to our local branch for XXXX and worked with XXXX XXXX. She called XXXX flood department and they said the system shows the check cleared and there are no notes of the check being rejected or returned. We went back to Chase and worked with XXXX. XXXX looked again and noticed there is a problem between Chase and XXXX corporate accounts. XXXX could not tell us the problem because the accounts are not ours. XXXX did say the problem is not the check or the Flood claim with Chase, it is an issue between the accounts. Chase and XXXX have taken my money and will not give it back. They instead bounce the blame between themselves. When either company calls someone, they can not talk to the person needed every single time. My account is now negative because of the retraction of the money. Neither company can nor will give me a straight answer. This makes my second complaint to the CFPB about Chase regarding insurance checks from my flood being deposited. My first case was number XXXX. I am frustrated and feel I have been a victim of fraud along with failure of both honoring a good faith issued check for my repairs that was verified funds were available.
Consumer complaint received 2019-11-19
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: TD BANK US HOLDING COMPANY (FL)

This is a complaint against TD AUTO FINANCE. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Today XX/XX/2019, I tried to access my EquiFax account to un-freeze my account for a short period. I spent 2 hours trying by both logging into my account, updating passwords and information and calling direct for help but .... In order to speak with a customer support person I had to 1. ) give them a cell phone number 2. ) my social security number. 3. ) answer two security questions and 4. ) answer questions from information generated from my personal credit report. After successfully answering the questions the recorded voice came back and said the customer service rep could not help me and to send my requests in writing to them. 
I have never had to give any personal info to any company in order to just talk with a customer service person. 
They advertise you can freeze and then unfreeze an account online but after several attempts to do so it seems like they don't want to talk with me. Try it yourself. 
I could get into my account and update my personal info but could not unfreeze my account for an hour to let a car dealer check my credit. 
Please do something about Equifax as they seem to be saying one thing and in reality their software, phone access is not as they say.

If one does not have a cell phone then you can not access customer service help. Their unfreeze software does not work even though I can access my account, update personal formation etc ... It seems they don't allow access to freeze and unfreeze actions. 
Help us with these credit reporting agencies ... ..especially EquiFax ... 
Regards XXXX XXXX
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Upstart Holdings, Inc. (TX)

I submitted an application in XX/XX/2023 for refinance information to upstart/XXXX Their refinance interest rates and payments were higher then my current lender. 
So I decided to stay with my current lender. Now I come to find out that upstart/XXXX paid off my current loan in XX/XX/2023, WITHOUT my authorization. Five months after the fact. 
XXXX states paperwork was signed electronically, which I have NO knowledge of. Im XXXX years old and hate computers, I basically use them for email due to not being able to use a phone due to XXXX XXXX XXXX Also the State of Texas DOES NOT accept electronic signatures. When I requested a copy of the LIMITED POWER OF ATTORNEY, the signature is not even close to my signature, someone at their company must of signed my name because its not in NO WAY close to my signature. I would never have agreed to their terms of a higher interest rate and payment. They are running a SCAM! 
NOW they are threatening REPO. Causing undo stress, this vehicle is used to transport a XXXX person for medical care
Consumer complaint received 2019-11-21
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

There are several accounts showing up on my consumer report that are showing negative information. The accounts are XXXX XXXX, XXXX XXXX  And XXXX XXXX XXXX XXXX. I have attached a new police report and notarized FTC Affidavit. Please remove this accounts and block them so that they don't reappear and submit another clean consumer report stating that those said items have been removed. 

Thank you, XXXX XXXX
Consumer complaint received 2019-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MN)

I went to the branch in Minnesota because my daughter is going to college in that state. I reside in Hawaii and is needing a teen checking account so that my daughter has an account with Wells Fargo because her dad also banks there. The banker force us to opening another account with just my name on there without disclosing fees. I was informed that it would be a free account but later on found out that there's a monthly fee on the account and overdraft fee that they are refusing to be returned. I would like to have the fee refunded and close the account but I can't do that unless the fee is refunded. I would like to complaint because they illegally opened this account by forcing me into it and charge me fees.
Consumer complaint received 2019-11-19
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. (UT)

XXXX XXXX XXXX # XXXX is double reporting with XXXX # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with XXXX to pay off the rest. XXXX XXXX should be a zero balance and I should not have these accounts as they are fraud.
Consumer complaint received 2019-11-19
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. (CO)

Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$2400.00} on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently by my ex-wife. I did not give her permission to open this account nor did I authorize this account to be opened. The incorrect reporting of a collection/charge-off an account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.