davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I submitted a complaint against Credit Acceptance XX/XX/2023 .Their response was they were going to fix credit reporting issues. I don't see a change in anything there's still numerous discrepancies on my credit reports. Credit Acceptance is a known XXXX XXXX the CFPB didn't do much to help me in this matter. I spoke on issues about the dealership and the financing of the vehicle. The deception and high interests rates that consumers endure in a time of need by dealerships and bad credit finance companies are hurting the uneducated and minorities. The unfair credit reporting hurt my credit and added to my hardships during the pandemic. Credit Acceptance did little to offer relief during the pandemic. Most times I felt forced to make arrangements that I couldn't keep in order to keep the vehicle. I lost two sources of income during the pandemic including one that was used to finance the vehicle. I called multiple times asking for help. Credit Acceptance repeatedly called from several different states and numbers several times a day and within a weeks time. I would pay and the account would still be the red. I tried getting multiple loans and was denied due to credit reporting from Credit Acceptance. I wasn't offered favorable loans and resorted to high interest payday loans digging myself deeper in debt. During the shutdown caused by the pandemic my funds were very limited. My income was Social Security XXXX and I had to file taxes before I could receive a stimulus check. While homeschooling my children Credit Acceptance would call and upset me so bad it affected my ability to educate my children. My health issues began to escalate from the constant calls and voicemails. The XXXX and XXXX  from the repo was awful. XXXX lost personal property the first repossession the tow company immediately went thru my car. The car wasn't in their possession 24 hours. I had to borrow money to regain my car and payback high interest on the loan. The response Credit Acceptance gave in my first complaint didnt help and the balance is still the same. I did agree to take possession but never did because I saw very minimal change on the account or my credit score. The vehicle was repossessed twice.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/29, I realized my wallet had been stolen. I logged into Bank of America and noticed several fraudulent charges were pending on my checking account totaling {$15000.00} from a vendor called XXXX XXXX XXXX. I immediately notified Bank of America and filed a police report. I submitted the police report to Bank of America and received new debit and credit cards in the mail. 

In the next few days, about {$10000.00} of the fraudulent attempts were pending but ultimately denied. However, there is still {$5700.00} outstanding. 

On XXXX, they concluded that the charges were authorized by me, which is impossible. I am trying to escalate and have my claim reopened, but they are unresponsive.
Consumer complaint received 2024-04-15
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. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AL)

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2024 I was locked out of my Bank of America account upon calling I was told my account was in active closure and I was not able to access any of my funds. This was part due to my credit card being stolen and charges placed. Upon being transferred after five different departments giving me miss information, I was told that it could take 90 days for me to receive my money back effectively withholding my funds while Bank of America gains interest on my money. Each representative was miss informed, Flat out had no idea how to resolve my issue or even help.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}. Please remove.
Consumer complaint received 2024-04-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

My father took out a reverse mortgage in XXXX of XXXX. He passed away in XXXX, XXXX. Since my father passed away, my mother 's health has declined and I had to move her in with me at the end of XXXX so I could take care of her. Her health would not allow for her to remain in the home by herself. Once we moved all of their things out of the house, we put it up for sale. I requested a payoff from Carrington Mortgage at the end of XXXX and they would not send it. We had a contract on the house so I forwarded the information over to the title company for them to pursue a payoff, then the contract fell through and we had to relist the house. On XX/XX/XXXX, I received a demand letter from Carrington Mortgage calling the note due to the home being vacant. The letter states that the balance must be paid by XX/XX/XXXX. My parents never took a draw on the reverse mortgage the balance was only around $ XXXX. The demand letter states that the balance as of a certain date was roughly $ XXXX. I faxed over the letter of intent provided with the demand letter noting that the house was for sale and provided the listing agreement and MLS as requested on the letter. I then requested another payoff via email, to which they have come up with every excuse not to provide. I called them on XX/XX/XXXX and spoke to XXXX who was very rude and told me that he couldn't provide any information to me as I wasn't an authorized user on the account. I informed him that I had Power of Attorney over my mother. He told me I would have to submit the POA for review and it would take 10 days for them to review it. I told him that we didn't have 10 days as they have called the note due by XX/XX/XXXX and that I had already provided a signed authorization from my mother. He still refused to give me any information. I submitted the POA and I called back on XX/XX/XXXX and spoke with XXXX who was a little more helpful. He did acknowledge receipt of the faxed information and tried to explain why the balance was so high, but still wasn't able to provide me with a detailed payoff. 

I feel like Carrington Mortgage is trying to take advantage of the situation as there over $ XXXX in equity on the property and they stand to make a lot of money if they foreclose on the property.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following hard inquiries are fraudulent, I have never applied for any of them. Please remove these credit inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX  Full Service Banks XX/XX/XXXX XXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-16
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. (OH)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$150.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00}
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (TX)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report Please verify the following accounts : XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXX Balance {$660.00} XXXX  XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX, XXXX XXXX XXXX XXXX, 2022 Balance {$120.00} XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX  Balance : $ {$460.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$380.00} Be advised that this complaint is my follow-up to make sure that the listed accounts are verified.
Consumer complaint received 2024-04-16
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 requested written confirmation that the subject collections be removed, as they are direct violations of the Fair Credit Reporting Act, in that the alleged collections did NOT arise from any credit transaction, and should not be reported on any credit report. The bureaus failed to comply, and the misrepresenting collections remain on these credit reports. Further evidence of the collections not arising from any credit transaction includes the following : - No reported high balance. - No reported Credit Limit. - No contract was signed or otherwise agreed to.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (SC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Consumer complaint received 2024-04-15
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. (GA)

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 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 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2700.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XX/XX/XXXX : I RECEIVED A DEBIT CARD FROM BANK OF AMERICA. 
XX/XX/XXXX : I RECEIVED A LETTER FROM BANK OF AMERICA STATING THE ACCOUNT HAD BEEN CLOSED. 
XX/XX/XXXX : I GOT ANOTHER DEBIT CARD FROM BANK OF AMERICA WITH A NEW BANK ACCOUNT NUMBER. 
XX/XX/XXXX : THIS IS WHEN I ACTUALLY OPENED MY MAIL AND SAW EVERYTHING. I CALLED BANK OF AMERICA AND THEY SAID NO TRANSACTIONS HAD BEEN MADE ON EITHER ACCOUNTS. THEY LOCKED/CLOSED BOTH ACCOUNTS AND OPENED UP AN INVESTIGATION AS I REQUESTED. 
XX/XX/XXXX : I RECEIVED ANOTHER LETTER FROM BOA WITH COPY OF A CHECK FOR OVER {$2400.00}. IT SAID THE CHECK HAD BEEN PUT ON HOLD.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Looked at my credit report via Transunion, XXXX, & XXXX and seen a lot of different inquiries that were unauthorized by me. The standing of my credit thankfully helped the them be denied on each of these inquiries. I Also had a collection ( XXXX XXXX XXXX ) I knew nothing about, so I don't know if this was from the same person or not but Im definitely a victim of identity theft.
Consumer complaint received 2024-04-15
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. (FL)

I am writing to formally complain about the inaccurate credit information currently reported by your agency. The inclusion of the following information in my credit profile has adversely affected my good credit standing, leading to a wrongful denial of credit recently. 
As per credit reporting laws, it is imperative that bureaus report only accurate credit information. I believe the inclusion of this inaccurate information is a mistake, either on your part or the reporting creditor 's. This mistake has not only been highly embarrassing but has also negatively impacted my lifestyle. 
I kindly request the prompt verification and deletion of the following information from my credit report : Creditor Name- XXXX XXXX XXXX Creditor Name- XXXXXXXX  Creditor Name-XXXX XXXX Creditor Name-XXXX XXXX  Creditor Name-XXXX XXXX XXXX Inquiries- XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX your swift attention to this matter and request the removal of the aforementioned information as quickly as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-15
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. (GA)

XXXX XXXX is reporting a credit card account on my credit file with XXXX, Transunion and XXXX that wasn't authorized by me. I've asked all parties including XXXX XXXX to provide me with signatures, identification used to make transactions that i did not authorize. I asked XXXX, Transunion and XXXX to reinvestigate in XXXX  and nothing was done. As a consumer all parties violated my rights as a consumer per the Fair Credit reporting Act. 15 USC 1681i ( 5 ) ( A ) was violated and therefore the XXXX 's account has to removed from my credit file within 3 days according to the Fair Credit Reporting Act. Please remove XXXX 's account
Consumer complaint received 2024-04-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CL Holdings LLC (MS)

I was going through a hardship at the time of trying to pay this loan back in installments but I started having health issues which resulted in me not being able to work. Once I learned the company sold the account to Jefferson Capital Systems, I reached out to XXXX XXXX XXXX  to try and resolve the issue they told me to contact Jefferson Capital.