davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (IL)

National hit on XXXX and XXXX cars mines was XXXX XXXX times leaving me without a car but XXXX in debt. I dont think XXXX responsible due to National theft and debt sold to 3rd party
Consumer complaint received 2023-02-15
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. (MO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (IL)

This account was charged off on the following date XX/XX/2024 since then the account has repeatedly been update as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (IL)

My federal student loans were transferred from XXXX to Mohela. There should only be a balance with the Mohela loans since I no longer owe any balances to XXXX. However, both XXXX and Mohela are reported with the same balance, duplicating the amount I owe and making it appear that I owe twice as much money as I actually do. I have contacted both servicers and have also filed disputes with the reporting agencies, but they have not done anything to resolve the issue. I just read an article in the XXXX XXXXXXXX that there are at least XXXX XXXX duplicate student loan records appearing on credit reports, and they are from borrowers that had loan balances transferred from XXXX to Mohela as well. This has been reported incorrectly on my credit for over a year now and I deserve a resolution.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I put in a dispute with bank of America on XX/XX/XXXX after noticing someone was withdrawal money from my account and then when I searched the transaction I noticed there was XXXX transaction totaling about XXXX they were taking out of my account in small amounts. I have never been to the location of the withdrawal. I realized I frequent a gas station that had a skimmer on it informed my bank and find out they deny my claim 5 days later saying it was me or someone I allowed to use my card which is not true. The atm they were withdrawing small amounts I never knew a atm you can withdraw XXXX dollars. I need help that is my hard earned money I reopened the claim with my bank but they say it could take 45 days to investigate it's not fair I am not suffering without money. What else can I do to prove it wasn't us doing those transactions
Consumer complaint received 2021-10-18
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. (MI)

Transunion has an account XXXX XXXX XXXX  with no ( Closed Date and No Information ) therefore transunion is reporting inaccurate information and reporting inaccurate information according to fcra is a violation.
Consumer complaint received 2024-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (IL)

I went to the hospital on XX/XX/XXXX after falling down my front stairs after a snow storm amd thinking I broke my ribs. My insurance company XXXX paid everything but {$220.00}. I have been working on repairing my credit for quite sometime and got it almost to XXXX on one credit bureau when a debt collection of {$2000.00} appeared on my credit which was from Lockhart Morris amd montgomery. I contacted XXXX hospital to get all the invoices from that emergency room visit which supplied me a bill that was almost paid as mentioned above. I called my insurance company and they don't have any record of uptown emergency physicians sending an invoice to be paid. I called uptown emergency physicians who told me to contact their third party that handles their invoices and they don't have any record of me at all. Lockhart Morris and mongomery answered my letter that verified me, and a copy of what appears as the first page of my hospital visit and what the hospital charged me for each test and diagnosis. The original mailing address from this bill was sent to an address that I haven't lived at for over XXXX plus years so I never received this bill. I don't think I should have to pay the entire invoice since that apparent physicians bill was never sent to my insurance company nor did I receive it at my current address which I've lived at since XXXX. This so called bill was sold at some point and this Lockhart Morris amd montgomery bought this debt.
Consumer complaint received 2023-04-16
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. (FL)

On XX/XX/2022 a credit card account XXXX XXXXXXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies XXXX, Equifax and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report. 
The XXXX XXXX XXXX, already responded my claim and closed the account without perjudice to my report but the XXXX, XXXX and Equifax are still reporting the alleged account under my name, damaging my report and credit score by reporting an account that IS NOT MINE as the XXXX XXXX  already admitted.
Consumer complaint received 2024-07-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Last year around XXXX of XXXX, my boyfriend was making payments on the home loan and began to miss payments. By the time that I realized what was happening, I was almost {$20000.00} in arrears. I began making payments to catch up the balance. In the meantime, I XXXX with the XXXX  XXXX XXXX XXXX to XXXX. We began premobilization in XXXX of XXXX. Our Title 10 orders published for XX/XX/year>. I am currently in XXXX. I have continued to make payments but the company has not acknowledged my XXXX  service and has now quit taking payments and will not allow me to make payments on the VA loan. I understand that my XXXX status protects me from eviction throughout the XXXX and for an additional 12 months. Really, I am trying to catch up the payments. The service charges and extra fees aren't helping and the company refusing to accept payments doesn't help either.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by US BKPT CT XXXX  XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Consumer complaint received 2024-05-25
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Advance America, Cash Advance Centers, Inc. (MO)

I had a loan through Advance America prior to XXXX. In XXXX, the debt was included in my Chapter XXXX bankruptcy. They continue to sell by debt to other collections companies. The most recent one that calls is XXXX XXXX. I have explained multiple times to multiple agents that this has been XXXX but they continue to harass me. They called twice today and XXXX other times in the last week. This is in direct violation of the law. Please assist.
Consumer complaint received 2024-07-07
Product: Credit reporting 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: Chime Financial Inc (TX)

Hello I began my credit journey XX/XX/XXXX I started with a credit card with Chime I began noticing that they have not been reporting to all 3 credit bureaus as they stated they would when I applied and still currently on their website the date today is XX/XX/XXXX and the last time they reported anything has been on XXXX I didnt not want to escalate or make a report due to me wanting to be patient to see if there would be a update I then began my search online with similar customers/clients with the same card and theyve had similar problems and experiences like mine I personally dont want to close the account even though Im in good standing with them I just wanted to make my voice known to other people possibly experiencing the same situation as mine and hopefully getting justice/reasonable compensation for their false advertisement
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-07-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I received a {$250.00} AMEX eGiftcard from a friend on XX/XX/year>. I have tried to use the card on multiple websites such as XXXX, XXXX, XXXX, etc. It gets declined every single time but the balance check shows {$250.00}. Amex is no help and says that it should work. A quick search online and many many people have this issue and have not found a way to get their money off of the prepaid card except for by submitting a claim through this portal.
Consumer complaint received 2024-05-26
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: EQUIFAX, INC. (NJ)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (TN)

On Friday XX/XX/XXXX {$470.00} was taken out of my daughters Cashapp savings account that was under my name be atse she wasnt over 18 at the time to get one. Her card was looked and the money was took out. From someone I owe. we went to court to file a motion aqaush and to prove the money took was not mine and got a court order for the release of garnishment and the courts said cashapp is holding the money. Ive been calling asking about since XX/XX/XXXX about getting the money back and cashapp support has just been saying they have escalated my case and thats it.
Consumer complaint received 2023-04-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (MS)

Business Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone- XXXX Home : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mercedes-Benz Financial Services XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to you regarding my recent auto loan application to Mercedes-Benz Financial Services. I filled out the application using my business name, XXXX XXXX XXXX, and provided all relevant business information. 

However, I was notified that my loan application was denied based on information in my personal credit report rather than my business credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ), which requires lenders to consider business credit history when evaluating loan applications made in the name of a business. 

Furthermore, I was under the impression that my loan application would not result in a hard inquiry on my credit report, as stated on your website. However, I have since discovered that there is a hard inquiry on my credit report as a result of my loan application. This is also in violation of the FCRA, which requires lenders to obtain a consumer 's consent before conducting a hard inquiry on their credit report. 

I am disappointed and frustrated by this experience, as I believe that my loan application was unfairly evaluated and that my rights under the FCRA were violated. I would like to request that you review my loan application and credit report again, this time taking into consideration my business credit history and correcting any errors or inaccuracies in my personal credit report. 

Additionally, I would like to request that you remove the hard inquiry on my credit report, as I did not provide consent for a hard inquiry to be conducted. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my XXXX endeavors to tell the XXXX credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00}
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CA)

So I had a debt with XXXX. XXXX then it was sold ( illegally u can't sell a debt and then come after me for it it was charge off and still being reported as income my. Income every XXXX year with as you know is a violation credit consumer reports should not have, show income boom that's XXXX number two the debt sold to XXXX  is a violation no where before XXXX  had they wrote me or gave my knowledge about them having the debt this is so wrong of this country to allow this they discussed personal info of me without my permission then now resurgent has this debt all of them seemed to pass my info around and not get permissible permission frome I never gave this XXXX year old dent any permission for XXXX to report or discuss any personal info of. Mine then now resurgent has all. My info and that had to be given and pasted around this is a huge XXXX XXXX issue
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld systems inc has a debt against me from last summer. I was never once notified of this debt for the last year I had to find out when looking at my credit report. When I called to ask why they never contacted me they said they did, I asked for days and times they tried to contact me and what information they had. The information was correct however I never once got a call, email, or mail about the debt owed. Not one single time and I have proof. They told me what days they called me I went back in my call log and nothing was there. I asked when they sent me any mail and they couldnt answer that question I asked when they sent me an email and they had not even though they had the correct email. I would have resolved the debt a year ago if I knew about it but since I did not know it sat in my credit report for a year and messed up my credit score.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 USC 1681. 

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 XXXXXXXX 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 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 item of information. Any other adverse item of information, other than 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 computer reporting agency if the person knows or has reasonable cause to believe that the information.
Consumer complaint received 2024-05-26
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: EQUIFAX, INC. (DC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :