davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-07
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. (CA)

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, Equifax, and XXXX. 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (TX)

I have a loan from this company on my credit report, and I have never gotten a loan from them. I believe it is identity theft. I contacted them by phone 3 times. The first time they gave me a number to a sales company. The second time they hung up on me when I told them this was not my account. The third time they hung up on me when I requested proof of the loan in my name, as I have never gotten a loan. I called a 4th time and couldnt get through to anyone. I disputed this on my credit report, and they verified it is mine. So I am trying to get all the proof I can of this loan so I can dispute again, and file for identity theft. I will be filing a police report today.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-07
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. (PA)

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a XXXX XXXX account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following inquiries listed below removed from my credit report as they as fraudulent and I do not know who opened them. 
XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax 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
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  Date open : XX/XX/XXXX Balance updated : XX/XX/XXXX Original balance : {$300.00} Status : closed {$820.00} written off Completed investigation of FCRA dispute consumer disagrees. 

I would like to get this removed off my credit report Ive already paid the balance and the account has been closed. How do I get it removed?
Consumer complaint received 2023-08-07
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. (PA)

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a XXXX XXXX  account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following accounts listed removed from my credit report as they as fraudulent and I do not know who opened them. XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT OWED {$1300.00} DATE OPENED XX/XX/XXXX. XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$950.00} XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX {$1300.00} XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX. XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX ACCOUNT # XXXX XX/XX/XXXX AMOUNT OWED {$360.00} XXXX  ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00}
Consumer complaint received 2023-08-07
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. (CA)

I have called and sent multiple letters, to the credit reporting agency and have not received. Proof of their investigation and proof that the lender was authorized to make the inquiry, or delete the inquires disputed. The inquiries disputed are. 

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 2023-08-07
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. (TX)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-04-09
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. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours (TN)

I reached out to Earning app on last week because I have an advance loan with them. The day after I took out the loan I lost my job. I let them know that I needed to revoke the ACH ON MY ACCOUNT. They told me that they see where I took out the loan the day before and they would need to take that money back. They said they could only extend the payment until my next pay day. I knew that would not work for me so I went to my bank and was told that due to the amounts not always being the same they would not be able to place a stop payment. They are scheduled to take the payment on tomorrow and I reached out again asking them to revoke the ACH until I get back to working they informed me that the payment had already been sent to my bank for over {$300.00} and the money will not be on there. So they are causing me problems because I have not found another job and I will not have the money. I was told to reach out to you all for help with this matter
Consumer complaint received 2023-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Ive reached out about this debt, was not provided with information to dispute, and or settle by the original debt collector. This debt has passed multiple times and showed on my credit report from multiple debt collectors. But no information was given to me directly.
Consumer complaint received 2023-09-19
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. (MI)

I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (LA)

Regarding Chase Bad Faith Practices Again At Credit Card Services.

This Makes Number 4 Of Serious Bad Faith At Chase, Over And Over Card Representatives Claim All Payments To Card / Pay Over Time Plan / Go Only To Loan, Not To Any Current Charges/ Only To Loan Amount For My Chase XXXX  Card. 

I Created A Pay Over Time For Emergency Heating Repair. 

Every Payment To This Card Goes Directly To The Loan Amount, Not To Any Principal Just The Loan Only. 
So Why Is This Called Pay Over Time? 
All Payments Go ONLY to The My Chase Plan What A Scam Chase Bank Credit Card Services
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (SC)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Request for Removal of Negative Credit Report Entry - Voluntary Repossession Dear CFPB, I hope this letter finds you in good health. I am writing to file a formal complaint and request your assistance in addressing a matter of utmost importance related to a negative credit report entry resulting from a voluntary repossession. This entry is currently impacting my financial wellbeing, and I believe it necessitates your attention and intervention. 

On XX/XX/2020 i had no choice but to voluntarily surrender my vehicle financed through Credit Acceptance due to financial hardship. The loan terms were originally structured in such a way that the car 's cost was unsustainable, making it impossible for me to meet the payments. The decision to voluntarily return the vehicle was made after thorough consideration of my financial situation and the implications of continuing the loan.

I would like to bring to your attention that Credit Acceptance has a history of predatory lending practices and has faced legal actions, including lawsuits by the CFPB and the New York Attorney General 's office. These lawsuits have accused Credit Acceptance of deliberately concealing vital auto loan information from borrowers, ultimately setting them up for failure. These actions are in direct violation of various consumer protection laws and U.S. Codes, including but not limited to : The Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically Sections 1031 and 1036, which prohibit unfair, deceptive, and abusive acts and practices in consumer financial services.

The Truth in Lending Act ( TILA ), which mandates transparency in lending disclosures, ensuring borrowers are fully informed about the terms and costs of their loans.

The Fair Credit Reporting Act ( FCRA ), which governs the accuracy and fairness of credit reporting, and provides consumers with the right to dispute inaccurate information on their credit reports.

Considering the ongoing legal actions against Credit Acceptance and the fact that my voluntary repossession was a direct result of their questionable lending practices, I kindly request that you investigate this matter thoroughly and take the necessary steps to have the negative credit report entry related to this repossession removed from my credit history.

I believe that by taking action to rectify this situation, you would not only be safeguarding my rights as a consumer but also sending a strong message to lenders engaging in predatory practices that such behavior will not be tolerated.

I appreciate your attention to this matter and thank you for your dedication to consumer protection. I eagerly await a resolution to this issue and request prompt communication regarding the progress of my case..
Consumer complaint received 2023-12-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKERS HEALTHCARE GROUP LLC (VA)

During the covid pandemic, myXXXX husband was not working and we had a XXXX IRS bill because I took out some retirement money to pay bills. 
I was granted a XXXX loan from BHG with all communications being via computer or phone. I was to pay XXXX a month and the money was removed from my account through automatic withdrawal. 
In XXXX of XXXX  I contacted the company and requested access to the loan information so that I could see payment history and amount remaining etc. I was denied that access and offered a refinancing agreement this made me suspicious, so I requested to stop auto withdrawal there was no response to this request. I closed bank account and they soon began contacting me and gave me the requested information that demonstrated that after paying XXXX a month for 3 years, all monies had gone to interest and noted a XXXX fee for loan processing. I requested a payoff, the amount they quoted me was XXXX. Original loan amount XXXX During these interactions I was told this was going to affect my business, that this was a business loan. I do not own a business. I was misled from the beginning. And am having no luck in coming to a reasonable compromise with this company. I am willing to payoff a reason able amount but what they quote is not reasonable. 
They call me daily ; have said they filled a lawsuit in New York and now I get texts about getting a loan to pay this debt off paying only pennies on the dollar with a supposed link to the court documents. I have not opened this text as I feel like it is further scam.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

My PayPal account suffered account take over. Unfortunately the app or website doesnt allow to change tel numbers, information, removed stores cards etc.

I submitted a claim onto PayPal, as I noticed an erroneous telephone number, I could not change that and/nor have heard back from PayPal.

Since I suffered an account take cover and I reported this to PayPall, this should have been remediated immediately. Hasnt happened yet!
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc. (AZ)

I do not have any outstanding debts yet XXXX XXXX at TCS Inc. keeps calling every week for the last 3 months. A basic XXXX search says this is a debt collector. They also call from different numbers so maybe this is a scam.
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC (AL)

Elevated recoveries are non professional when it comes to collections. They did not have my address or phone correct. I have never received any bills and argued me down about that I owed something from 5 years ago ... .... 
And the bill they referring to that I supposedly owe was paid by medicaid and all bills were sent to my lawyer and settled. No lingering bills with XXXX XXXX XXXX. My lawyer verified that.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

I was sent an email from XXXX XXXX XXXX for a settlement in the amount of {$1600.00}. I received an email from XXXX XXXX saying they are no longer responsible for the debt and it is back in lvnv fundings hands. I called and they told me this is incorrect. Resurgent also has my debt was is on my credit this is inaccurate reporting and incorrect
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Accounts for XXXX are reported incorrectly on my credit report DEPT OF ED/XXXX  XXXX XXXX XXXX  Account XXXX XXXX {$1600.00} XXXX {$39000.00} XXXX {$1700.00} XXXX {$2700.00} XXXX {$1300.00}
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (TN)

I need these inaccurate accounts to be removed ASAP 1. Late payment from XXXX XXXX XXXX Date of Late Payment : XX/XX/XXXX 2. Hard Inquiry from XXXX XXXX XXXX Date of Hard Inquiry : XX/XX/XXXX 3. Hard Inquiry from XXXX XXXX XXXX Date of Hard Inquiry : XX/XX/XXXX 4. Hard Inquiry from XXXX XXXXXXXX XXXX Date of Hard Inquiry : XX/XX/XXXX Thanks,
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

In Accordance with the FCRA XXXX  Account number XXXX has violated my rights XXXX  XXXX Account number XXXX Delete Asap XXXX XXXX XXXX XXXX Account number xxxx Delete Asap XXXX  XXXX XXXX XXXX Account number XXXX Delete ALL late payments XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Delete Asap XXXX XXXX XXXX Account number XXXX