davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (FL)

I co-signed for a car for my mom and in XXXX my mom totaled the car and was behind on payments but the insurance company paid the car off but the late payments is what I was told by Kia. But then Kia allowed her to take out another loan on another car and want to hold me liable for a car that was totaled and demolished. What Im not understanding is why let her get another car in her own name and hold me liable for both cars when I never signed the agreement for the second one. I want this car removed and deleted for the error of trying to hold me liable for a car that was totaled and suppose to have had the gap insurance on it and we put a large down payment for the first one. Plus the first car was totaled in XXXX and I should no longer be held liable for that car since they did let her get another. But my question is if the first car was totaled in XXXX how was it then towed away in XXXX and that because she had another car and this is not the same car from the first original contract that I signed.
Consumer complaint received 2023-05-26
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 — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (CA)

Due to the financial effects of the COVID-19 pandemic in XXXX, I was could not continue making the lease payments and I voluntarily surrendered a XXXX XXXX at the Ford dealership where I acquired the vehicle. The vehicle was accepted by the dealership and proceeded to sell the vehicle.

Ford Motor Credit obtained a judgement against me on XX/XX/XXXX for {$13000.00} for what I believe to be the balance of the lease payments. 
Ford Motor Credit has been reporting missed payments and increasing the balance due each month to the credit reporting agencies the entire time. 
This week on XX/XX/XXXX, my credit score suddenly dropped 45-65 points across all 3 credit bureaus despite the judgement being assigned by the court over 1 year ago.

My disputes with all 3 credit reporting agencies have not resolved the matter on my credit report and my credit scores remain 45-65 points lower than they were on XX/XX/XXXX.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Experian 's Inaccurate Dispute Results To Whom It May Concern, I am writing to file a formal complaint regarding the inaccurate dispute results provided by Experian on XX/XX/XXXX in response to my efforts to rectify fraudulent information on my credit report. The disputed collection account, as outlined below, is erroneous and has not been appropriately addressed by Experian despite my efforts. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$320.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Original Balance : {$320.00} Highest Balance : - Terms : 1 Month On Record Until : XX/XX/XXXX I dispute the validity of this collection account and would like to bring to your attention the following points of concern : 1. **Certification of Accuracy : ** Experian 's response stated that the reporting company had certified the accuracy of the information. However, I have reason to believe that this certification lacks credibility, as the collection account in question is fraudulent. 

2. **Lack of Verification : ** Despite my dispute, Experian has not provided any proof or verification of the alleged debt. This directly contradicts the doctrine of estoppel by silence, as established in Engelhardt v Gravens ( MO ) 281 SW 715,719. I maintain that no proof of the debt has been provided, thus raising questions about the existence of such a debt. 

3. **Fraudulent Collection : ** Given the circumstances and my thorough investigation, I am confident that this collection account is a result of fraudulent activity. The account was opened without my knowledge or consent, and I have taken all necessary steps to safeguard my personal information. 

In light of the aforementioned issues, I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter. I urge Experian to reevaluate their response and take the necessary steps to remove this fraudulent collection account from my credit report. Additionally, I seek your intervention in ensuring that Experian adheres to its obligation of providing accurate and verifiable credit information to consumers. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

XXXX XXXX ( XXXX XXXX XXXX XXXX  ) XX/XX/2023, XXXX PDT Hello XXXX XXXX Thank you for your patience while this was investigated by our Dev Team. 

As our Development Team has attempted to reimport your credit report, they encountered the same Equifax error, it appears that the issue lies within Equifax 's data or verification process. 

To resolve this matter, I recommend reaching out to Equifax directly once again. Please inform them about the ongoing issue with the credit report pull and provide them with the following error details : Error : Equifax report pull SSN verification has failed Subscriber Number : XXXX Equifax should be able to investigate further and assist in rectifying the problem with their data. Once they have addressed the issue and made the necessary updates, our Development Team will make additional attempts to import your credit report into XXXX XXXX XXXX. 

If there is any specific information or documentation Equifax requires from us during this process, please let us know, and we will be more than willing to cooperate.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I had over XXXX XXXXXXXX ( {$5300.00} ) stolen from my Wells Fargo account through multiple XXXX XXXX transactions that was never authorized by me through a passcode on my phone or XXXXXXXX XXXX to be sent out & no evidence it was actually received by the recipient ( my girlfriend ). 

After 10 days of research into my fraud claim, Wells Fargo said my claim was denied despite them failing to provide evidence through texts ( on my end or my friends ) that the money was sent and that the money was deposited in the bank account ( XXXX XXXX XXXXXXXX ) of my girlfriend. If an XXXX XXXX payment is not accepted within 7 days, its sent back. That never happened. They couldnt explain that either. If that money was deposited in my girlfriends account, this wouldnt be that big of a deal. Id just have her transfer the money back. 

This is thievery. Ive been with Wells Fargo for almost two decades and this is how they treat their customers They told me there was nothing else they could do and pushed me to either get the police involved or contact XXXX who would just tell me its a bank issue. They are blame shifting and have put me in a really terrible spot financially I just bought a ring and Im getting ready for a wedding too..
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX  XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX  XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (DE)

I currently use a credit monitoring process from XXXX. As a results of using the credit monitoring tool, I was notified that a creditor, CBNA from XXXX XXXX, South Dakota created a hard inquiry on my bureau. After some light due diligence searching on the internet, it appears CBNA is part of Citi. I have not applied for a Citi card and I dont think Citi has a permissible reason to pull an inquiry for me. I would like the inquiry deleted if CBNA/Citi is unable to provide adequate evidence that I took action that warranted a hard inquiry on my credit file. Thank you!
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (NY)

I asked all three credir bureaus to verify all the information on my credit report. They said they did but after I have done comprehensive research on my credit reports, I found inaccuracies even after the credit bureau did their research. Here are the accounts with inaccurate information : 1. Name of the account : XXXX XXXX, Account # XXXX 2. Name of the account : XXXX XXXX, Account # XXXX 3. Name of the account : XXXX XXXX, Account # XXXXXXXX 4. Name of the account : XXXXXXXX XXXX XXXX, Account # XXXX 5. Name of the account : XXXX XXXX, Account # XXXX 6. Name of the account : XXXX XXXX, Account # XXXX 7. Name of the account : XXXX XXXX, Account # XXXX In accordance with the fair credit reporting act, XXXX  accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-05-07
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TX)

I had an auto loan with Wells Fargo Dealer Services until 2014, when I paid off my loan early. I believe that my prepaid gap coverage that wasnt refunded when loans were paid off early and that the lender incorrectly applied payments. I would like my case reviewed to see if I was affected and if I am eligible for the lawsuit settlement.
Consumer complaint received 2023-08-26
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: Experian Information Solutions Inc. (GA)

To Delete Hard Inquiries - Account Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

To Delete Unauthorized Negative Items - In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agencyncannot furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  Balance : {$31000.00} ; MILITARY STAR XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

In accordance with the fair credit Reporting act Toyota Motor Credit Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 A cleary states in ( 2 ) Exclusions the term " consumer report '' DOES NOT INCLUDE - 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Consumer complaint received 2023-07-26
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. (GA)

I noticed an inquiry on my report I didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX of 2021. I contacted the dealership multiple times informing them of the inquiry and they would not explain or provide anything to verify it was done by me. They then contacted me asking if I wanted to buy a vehicle when I sent the demand letter and were very ignorant laughing at me.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-26
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. (MD)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have two separate loans from XXXX XXXX XXXX XXXX and XXXX which borrower defense discharged the XXXX. After removing the XXXX loan my score went up, then a week later XXXX re added it and my score dropped XXXX points. XXXX the loan service has reported the correct balance but XXXX has not updated the info. This has caused me a big issue in my home buying process.
Consumer complaint received 2023-05-07
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.