davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I received a call from XXXX stating I owe them a payment. I told them I don't have car loan with you, I have been paying XXXX XXXX in XXXX for a year or so. XXXX stated that XXXX XXXX sold my account to them and that me or my son was to start paying them. I said I was never told that such account was sold to anyone and secondly, the account you have is a fraudulent because my son and I don't have an account with XXXX XXXX and I never had an car loan agreement with my son so whatever account you have with my son and my name on it is fraudulent and not mine nor my son 's. My son never signed any papers to be a cosigner with me on any car loan. I always make it clear to anyone when looking to purchase a car that if a cosigner is needed I would not be purchasing a vehicle. I was assured that a cosigner was not needed and I read everything I signed. I would never put my XXXX XXXX son on any loan with me. XXXX stated my son is a cosigner for this XXXX XXXX XXXX car loan. I stated he is not and any signatures of my son 's name on any such agreement wasn't his and is fraud and I requested proof of the original loan and whether their lawyer has looked over this car loan agreement to see if it is legit which I knew otherwise that it wasn't and they hadn't but I requested a copy and proof of this information both from XXXX and Experian and the other XXXX XXXX credit reporting bureaus. This vehicle loan reported information was removed from both mine and my son 's credit file with XXXX and XXXX, but not from Experian and XXXX XXXX XXXX XXXX who both refuse to stop reporting it or remove it. XXXX then turn around and sells this fraudulent account they say is ours to another collection agency who continues to harass us with letters and calls to pay this remaining debt even though XXXX refuse to pick up the vehicle and told me to sell it to a car dealership and they released the title and it was sold to XXXX the dealership on XX/XX/XXXX at their request. XXXX reported this vehicle payments as being late at least XXXX times on my credit file with Experian after failing to come pick up the vehicle during the Pandemic in XXXX, XXXX, after the last payment was paid the beginning of XXXX, XXXX. I never was late. XXXX even stated on my Experian credit file that I paid as agreed. How can you pay as agreed and be late. This loan was reported late after XXXX refused after several requests to pick of said vehicle for over XXXX months. After finding out a year later that the car loan agreement had false signatures and fraud was committed by the original seller, XXXX XXXX of XXXX and the account was sold to XXXX, I wanted no dealings with neither parties.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-05
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: Bridgecrest Acceptance Corporation (TN)

There are two companies reporting my information outside of compliance of the XXXX XXXX. ( Privacy under consumer financial information ) They are furnishing accounts on my credit report and did not give me the disclosures under 15 USC 6802 ( b ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

They were supposed to give me all three before furnishing my account info on my credit report. They never gave me the option to " opt-out '' of having my information reported. I have confronted Bridgecrest with letters asking for proof in the contractual terms and agreement or disclosure information and they failed to do so. I was only sent a copy of a contract with only XXXX disclosure which was a truth in lending disclosure about finance charge. The contract did not have any disclosure statement as instructed to be given to consumers under the XXXX XXXX XXXX XXXX. They only sent me a contract and a paper saying that my account has been verified. They are sending me what they want to send me and not honoring my request with what I asked for about the information they were supposed to provide me with. They are reporting my personal information with their own agenda. This is dishonorable to me and my family.
Consumer complaint received 2024-06-21
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXXXXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00}. 

Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$580.00}.
Consumer complaint received 2024-05-07
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: Experian Information Solutions Inc. (NJ)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  I wish to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-31
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (CA)

Hello, For these past 3 years I have been having issues with my Ally Auto loan due to their app constantly not working and them forcing me to pay over the phone which charges a XXXX $ fee to do so. Everytime I try to login to my account it says that im blocked and need to contact customer service to retrieve my account but never get a hold on someone on the phone, instead they have a robot insist on making the payment on the phone with a 3rd party company named XXXX that charges XXXX $ to do it. It took me 30-45 minutes to make this payment when it should be FREE and take 5 minutes max. Also they make you write out your whole social security on the phone to verify identity and I feel like thats too invasive. When calling it goes silent and the phone call continues with no confirmation that they are closed or too busy. 

This has been a constant occurrence that has negatively affected my credit due to their systems not working. I also had auto pay on my account at one point and ithey disabled it without my consent and marked it as late and reported that to the credit bureau multiple times when I try calling and get no answers. Their workers dont help either, saying that I need to use the app that never works and is continuously having issues!! They have made at least 3 new apps as an attempt to fix the issue and it is still the same. Because of them my credit has been affected and I have no issues with any other of my loans I always pay them on time, even my second car loan that I have I never have issues with them. I have had this loan since 2019 and I want to report this behavior in a attempt to have my credit be disputed which they keep denying. 

I made a complaint with the consumer financial board bureau already, Ally Auto is sending negative reports to credit bureaus despite them making it near impossible to make a payment on my own behalf through the means they provided.
Consumer complaint received 2023-12-30
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. (TX)

They are violating the fair credit reporting act and the consumer laws. I did not give them written consent to report on my behalf. They are keeping fraudulent information on my reports. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-07
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: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Carrington sent me a partial claim offer to take care of my past due amount on XX/XX/year>. I submitted the signed and notarized acceptance of this offer on XX/XX/year>. Carrington acknowledges they received the documents on XX/XX/year>. I am currently in XXXX XXXXXXXX bankruptcy but I represent myself. They have never filed documents asking for approval of the partial claim since XXXX. They are saying they are waiting on the court to approve but have not filed a motion to have it approved. There is no record of the partial claim offer on my account. They are still reporting me past due. Luckily, I have my documents to show my mortgage assistance application and the partial claim offer they did not process. The letter states they would process it and bring my mortgage current on XXXX. My next payment was due on XX/XX/year>. None of this is on my account.
Consumer complaint received 2024-05-07
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 hope this letter finds you well. I am writing to provide an update on my ongoing efforts to correct a late open account listed on my credit report. Despite numerous attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that this inaccuracy is promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
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: LendingUSA (FL)

A former friend of mine mislead me and used my private information to take out a loan at lending usa & open a credit card in my name at XXXX  in XX/XX/2023. I was not at XXXX  in person to authorize this yet it was still approved. They had access to my email along with other personal info. {$7000.00} at XXXX  & {$6000.00} at lending usa. I spoke with a supervisor at lending usa but they are not being helpful. I disputed on my credit report but both were denied. This has been causing me mental distress and I really need this resolved. 
Thank You
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

Resurgent Capital ServicesXXXX XXXX XXXX ( XXXX XXXX  ) I have requested information from the creditor due to a XXXX XXXX credit card ( XXXX XXXX ) opened in XXXX and closed in XXXX. I have not used this credit card since than. They are saying I owe {$700.00} when I only had a credit limit of {$250.00}. They have also said that I made a payment in XX/XX/XXXX when in fact I did not, because of this, this is re- aging on my credit, continues to be sold to different creditors. The negative re-aging debt on my credit report is changing the delinquency status of all my credit reports, I have filed dispute after dispute and nothing has been resolved. I request that the harassments of text messages and phone calls stop, and this debt fall off my credit reports.
Consumer complaint received 2024-05-07
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 hope this letter finds you well. I am writing to provide an update on my ongoing efforts to correct a late open account listed on my credit report. Despite numerous attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter.

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing.

This persistent issue has caused significant stress and hardship. It is imperative that this inaccuracy is promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

I did a pre-qualify for a credit card and was told I did not pre-quaify. 

I contacted PenFed to have them do a soft pull again, because some information had just come off of my report after the first Pre-qualify and that if they did the soft pull again then they would see that my credit was good enought to get the XXXX XXXX. 
XXXX said she would do a soft pull while I was on the phone and then said I would hear from them about the Pre-qualify and see if I could apply for the card. 
I hung up and when I checked my email it I had been sent an email by XXXX XXXX saying I had just had a Hard Inquiry placed on my credit report.I sent an email to XXXX telling them what happeed and they gave me a run around saying they could not help me and they kept insisting I send them documentation I told them all they had to do was a soft pull and they would see that the hard pull was on there. 
I asked them to remove the hard pull. 
I asked them to talk to XXXX and she would confirm that the hard pull was not supposed to be done but only a soft pull. 
I asked for a copy of the recording of the conversation XXXX and I had and that if they listened to it they would know that I did not give authorization to do a hard pull. 
And they said they could not help me and that they needed a copy of the credit report and on and on I wrote that I had XXXX  which was protected under the Americans with Disabilities Act and that I was asking for a Reasonabe Accomidation. 
I told them that gathering the documents and sending them was overwhelming me ... ..I will send you some of the emails. but here are the case # Confirmation of Support Case XXXX Case # XXXX This will comtain all the conversations in the emails. 
I lost credit score points and I am very upset and this has exaserbated my mental condidion. I am Under doctors care at the V.A. for this condition and I am at my wits end. I am overwhelmed and can hardly think. 
I am having a terrible time just writing this. 
They just keep replying that they want the report. 
Why do they need the complete credit report? 
I took a screen shot of the inquiry and sent it to them and they say they need a copy of my complete credit report. 
I asked that this be escalated to the supervisor and they will not let me communicate with the supervisor. By law if you ask to have it escalated they have to comply. They refuse to escalate this and keep asking me for documents and I about at my wits end.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

Dear CFPB, I am writing to formally lodge a complaint against Citibank concerning their refusal to reissue a check dated from XXXX. The check, which is valued at approximately {$710.00}, has not been cashed, and I require a reissue to resolve this matter. 

On XX/XX/XXXX, I contacted Citibank to request the reissuance of the check. However, I was informed by a customer service representative & a supervisor that the bank had purged their system of records from that period and could no longer assist me in reissuing the check. ( The check was issued in XXXX. ) This response is unacceptable, as I believe it is within the bank 's responsibility to retain sufficient records and provide customers with the necessary support to resolve such issues. 

This amount is significant, and I urgently need the bank to take action to reissue the check. I kindly request that the CFPB intervene in this matter to ensure that Citibank fulfills its obligations to its customers. 

Please let me know if any further information or documentation is required to facilitate this complaint. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I recently reviewed my credit report and noticed and account not reporting accurately. I have late payments showing for an account I was on time for. The consumer credit reporting agency need to report all inforwith complete accuracy. I have attached a copy of the inaccurate report. Account # XXXX ( XX/XX/year> ) I'm now requesting an investigation on this account and understand the these payments to paid on time. Thank you for your prompt actions.i have attached screenshots to show the inaccuracy.