davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
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: FIRST PORTFOLIO SERVICING INC (OH)

Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : -XXXX XXXX XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-01-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (CA)

Lender : GM Financial Account number : XXXX Account opened : XXXX XXXX, XXXX Lease term : 36 months Contract Miles : XXXX miles GM Financial was the leasing company that I leased a XXXX XXXX XXXX from in XX/XX/XXXX until the lease ended in XX/XX/XXXX. The vehicle was returned by me timely to the company in XX/XX/XXXX, approximately XXXX miles below the leased mileage, and with only {$80.00} in appraised wear and tear damage. 

For the entirety of the lease agreement, all charges associated with the vehicle were paid on time through auto-pay connected to my checking account without incident for 3 years. I naturally presumed, but apparently incorrectly, the end of lease charges were to be deducted from the same account, as had been our course of performance for 36 months. However, this did not occur. 

In XXXX, I received an alert that there was a missed payment on my credit report and on XX/XX/XXXX I promptly paid the outstanding {$510.00} end of lease charges ( using the same checking account that was already on file with GM ). When I sought from the company a good will adjustment to the credit agencies for the late lease charge, they refused.

In sum : A ) I feel like I was induced by GM for 3 years to make payments through the auto-pay mechanism and then at the end was deceived into thinking this same mechanism apply to the end of lease charges. 
B ) The deadline set to pay the end of lease charges was arbitrarily set by GM as the lease agreement is silent is this regard. I dispute that the payment was even late.

C ) These end of lease fees appear to be separate an aside from the financed portion of the lease agreement. The financed portion of the lease was paid on time, it was only the end of lease fees that were purportedly untimely. I do not believe these end of lease fees are reportable to the credit agencies as they in no constitute a loan repayment. It believe the fact that GM even required a different payment mechanism to pay these fees supports this notion.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-06-18
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: National Credit Adjusters, LLC (OH)

Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : -XXXX XXXX XXXX XXXX # XXXX -XXXX # XXXX -NATIONAL CREDIT ADJUST # XXXX
Consumer complaint received 2021-06-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (OH)

I've personally being trying to resolved this issue for close for a last year now. I am becoming fed-up and I have no idea what to d. It has to be something you guys can do. My ex husband default on a loan that I personally am not responsible for. We filed a XXXX of XXXX on XX/XX/XXXX. On XX/XX/XXXX, I granted and assigned any all interest of real property regarding XXXX XXXX  XXXX XXXX, XXXX, OH XXXX through a Quick Claim Deed to XXXX XXXX. According to my credit report it appeared that XXXX started defaulting on this loan sometime in XXXX. After granting all responsibilities as well as XXXX XXXX it appears that XXXX XXXX Resolutions will not honor that I have no involvement with this debt. 

In fact this creditor is reporting this debt as open only on one credit bureau XXXX, just so they can continue report monthly pass due amount. I find it strange that XXXX  has the account closed, I don't even know how that is even possible that they can report it open on one and closed on another damaging my credit month in month out. I thought I read something somewhere that states that all information should report consistent and accurate. At this rate this will never get off credit report as along as this Creditor keeps reporting open on XXXX. I feel like I'm doing jail time for someone else default I've been going back in forth tryin to get this issue resolve with no avail. My most recent letter was sent on XX/XX/XXXX as of today XX/XX/XXXX. I have not receive any correspondence with this issue. I've been trying to move on with my life and have the legal proof to prove it but this creditor refuses to honor and do the right thing. I have attached my most recent letter to the creditor below
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

Credit card company ( Citibank ) refuses to resolve dispute on my behalf for unauthorized charges for services which were cancelled. I provided documentation to Citibank showing I had cancelled the services I was disputing, and they still refused to resolve this dispute.
Consumer complaint received 2021-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent transunion a letter on XX/XX/2021 requesting the reinvestigation of the following accounts that are on my credit report. Transunion 's previous investigation failed to correct the inaccuracies that I presented to them in the previous letter. This inaccurate information still appear on my credit report despite me providing evidence to help show that inaccuracies were being furnished on my report. I would like these items immediately re-investigated and for good reason. These inaccuracies are highly injurious to my credit rating and affecting my state of mind..
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I have a bankruptcy on my equifax that does not belong to me it is not mine i have not filed for this or know where its comin from also one inquir on my XXXX  that is not mine i have been disputing this since two years ago!!!! 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 XX/XX/2019
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-03-22
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 you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an accounts listed on my credit file, which I believe to be inaccurate and incomplete. 

The accounts in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate these accounts and take appropriate action to correct any inaccuracies in my credit file. 

Furthermore, I would like to request verification of the aforementioned accounts. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the accounts without delay. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$38.00} ; XXXX XXXX Balance : {$67.00}.
Consumer complaint received 2021-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Coinbase without warning, explanation or help resolving stopped sending me the text message codes to access my account. For over 3 weeks I have not been able to see where my money XXXX XXXX XXXX is. They will not contact me XXXX other than automated emails ) in a meaningful way and have not resolved this situation. I believe they stole my money. I simply want to sell and leave this terrible ordeal behind me. I was under the impression that because they were a publicaly traded company that there was some oversight but appears they can behave fraudulently without XXXX and get away with it. There are many complaints and a lawsuit in regards to this behavior. I wish I knew this before I used their exchange. I need your help.
Consumer complaint received 2022-04-18
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Consumer complaint received 2022-04-18
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: Credit Management Control, Inc. (IL)

In XXXX someone with the same name opened utility account and their account went to collections. They reached out to me and I was threatened into paying off the debt at the risk of ruining my perfect credit. They did not inform me of my right to dispute the account and forced me to give them my credit card information. I paid off the debt on XX/XX/XXXX. Earlier this year I was made aware of my right to challenge the validity of any debt so I sent this company a certified letter on XX/XX/XXXX, they received this letter on XX/XX/XXXX. 

The letter sent to them was a request they validate this debt. They sent me back a contract with absolutely no information belonging to me except the name that states " XXXX XXXX ( XXXX XXXX ) '', I have no knowledge of a XXXX XXXX in my family, sibling or relative. I have never lived at the address on the report they provided me, the phone number on the report has never been a number of mine, every signature on the report they provided me is not of my name, in fact the signature on the report belongs to a XXXX XXXX. They have failed to validate this debt and need to delete it from my reports. 

The only information they have that ties me to this account is my credit card information they got from me at the time of the collection to pay off this debt. I used my own money to pay for someone else 's debt.
Consumer complaint received 2022-04-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (CA)

My issue is with Exeter Finance of XXXX XXXX 

In my conversation with the company on XX/XX/2022 I was told there was an overall balance on the account of {$3100.00}. I told them that on my computer screen it said payment due of {$810.00}, which is the payments I have made throughout the history of this loan and would be be ok if I made that exact payment prior to XX/XX/2022 so that it would not be marked late on the XXXX credit reporting agencies. Exeter 's agent told me that it would be fine. On XX/XX/2022 I made the payment of {$810.00}. Within a week the credit reporting agencies listed the account as 30 days past due ( the first negative mark on this account for the 6+ years I have been paying off this account ). I called Exeter to complain about it but they did nothing about it. I then made a decision to pay off the balance of the account for the amount of {$2300.00}, which was paid on XX/XX/2022. To my absolute terror not the credit reporting agencies are listing the account as 60 days past due, which is impossible as the account is closed and I have paid in full the loan. I request that Exeter eliminate that 30 day late mark as the account was paid as what was agreed to and to eliminate the 60 day late mark as that is impossible as the account was paid in full.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (GA)

I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE (NY)

I wired money to a charles schwabb account, total of XXXX. The company ( XXXX ) I was to wire the funds to i learned to be a fake a few days later. When the company ( XXXX ) did not return my call i tried multiple times to speak with someone at charles schwabb to notify them about the scam. I was told there is nothing that can be done, they would not even make a note of my phone call.
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC (WA)

I received a call from a local phone number, XXXX however it turns out the collection agency was " spoofing '' this number. The caller left a message stating " This is XXXX XXXX, ID # XXXX from CKS Financial. '' The phone number she asked me to call back was XXXX
Consumer complaint received 2024-03-22
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. (FL)

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by TRANSUNION / XXXX XXXX XXXX with Bank XXXX XXXX account # XXXX. Under the FCRA, my rights to privacy and control over the reporting of my credit information are clearly outlined and protected. 
Specifically, I would like to draw attention to two sections of the FCRA that have been infringed upon : In accordance with the fair credit reporting act 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.

Please, I urge you to contact the relevant credit bureaus immediately to request the removal of any potential negative entries related to this account. The presence of this information is hindering my financial prospects and access to financing.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Sometime in XXXX of 2021 Bank of America placed me in a loan Forbearance program without my consent. 

They sent paperwork for me to sign which I declined. 

I submitted the XXXX & XXXX payments electronically on the acct as always but the payments remained as " Unapplied Funds ''. 

I was concerned about the unapplied payments on the account and called in several times. I was told a request had been generated to remove me from the program and apply my payments. On XX/XX/XXXX - Over two weeks after the XXXX payment and 8 days after the XXXX payment the payments were applied. 

Despite the problem having been created by Bank of America they reported my account as late to the credit agencies and my credit score fell by 74 points. 

I have requested Bank of America correct the record with the credit agencies and I'm only being told they are reviewing that request.
Consumer complaint received 2021-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2020. A hard inquiry was made on my behalf and I have knowledge or anything of this information. I did not consent to the hard inquiry. I reached out to them. They say they have no information on my behalf at all. The inquiry was conducted by Capitol one bank USA.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I pulled my credit report and noticed several inquiries from XX/XX/2019 and several from XXXX and I reported to Equifax that it was fraudulent activity and I did not make them accusations I called several.of times ans and on one have tried to help resolve my issue and one hung the phone up in my face while I was still talking trying to explain my situation one answered and said they recieved my diaputr letterd and the phone hung up i callwd right back they next person said they never received my letter when the person before me.confirmed they got the diapute letter I explain I had a fraud alert on my account and that I sent in all.paper work they said nothing they could do and hung up the phone The following items are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I filled out an online preapproval application and was contacted by XXXX XXXX. She was very upbeat and positive and after I provided all of the requested information she contacted me to discuss my application. She reviewed my credit report with me over the phone and asked me why with no late payments and a strong length of credit did I have XXXX  boost on my report of 4 bills. I explained I added it when I downloaded the app because the app suggested it. She told me that I should remove the 4 accounts because they were reducing the amount I could pay monthly on a mortgage. She also told me I should take out a new loan to pay of a personal loan on my credit because the personal loan payment was so high ( XXXX but I only had 12 more payments and had chosen the high payment amount to pay it off quicker ). She gave me a preapproval with desk underwriting and actually referred me to my agent who I got along well with. 

We finally got an offer accepted and I paid the appraisal fee, etc. she said the loan was approved and already underwritten. That we were good to remove contingencies. She sent me closing disclosures and I waited for my signing date. As our closing date came and went she said that the loan was approved, underwriters were satisfied, but a system issue was preventing me from signing and that she had all the area managers working on it to figure it out. My agent made an appointment with her XXXX to discuss the issue because the seller had begun charging us a daily fee for not closing. At that time he told her he didnt know why I removed positive trade lines and paid off a two year old loan with perfect payment history for a new loan, but that had affected my credit dramatically and now the desk underwriting was kicking my loan out as high risk. She sent me an email with him saying the same. Luckily I had emails that showed XXXX had actually told me to do this. He worked for a week trying to find a way to close the loan, but in the end I lost the house, my {$8000.00} earnest money deposit, and now have to go out and find someplace to rent with my credit literally in shambles. I cant caution enough to be very careful using this company.