davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc. (AL)

XXXX   XXXX   XXXX  debt collection for T   XXXX   XXXX   XXXX   XXXX   has not sent me verification of the debt. I am requesting a breakdown of the charges from the  original creditor, sign rental agreement from the creditor, payment history from the creditor, verification of the debt. They are required by law too send me the documents not just validation of the debt a billing statement with my name. I keep disputing but the collection agency does not reply too my list.
Consumer complaint received 2023-01-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-02
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: FC HoldCo LLC (LA)

There is an unauthorized Hard inquiry on my report dated XX/XX/2022. 
I demand under FCRA Sec 604 : XXXX. Permissible Purpose XXXX. My written Authorization XXXX. Proof that I personally initiated this Inquiry.

There has been no Response since XX/XX/2022.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

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 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-01-07
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. (FL)

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 no consent is fraud.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 no consent is fraud.
Consumer complaint received 2018-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Repeatedly calling me before XXXX XXXX. They know what time zone I'm in because I have received mail from them.. The most recent call was this XXXX at XXXX XXXX  from the number XXXX.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ideal Collection Services, Inc. (FL)

There are multiple accounts on my credit report that are either inaccurate or just all and all not my account. I have filed and submitted police reports stating that these account were either fraudulently opened by someone else in my name or the dates and amounts are inaccurate. Here below are the account holders along with dates and amounts that are inaccurate which I have tried to resolve with said supporting facts and reports. ' {$2000.00}, {$1100.00}, {$610.00}, {$410.00}, {$1700.00}, {$340.00}, {$390.00}, {$240.00}, {$410.00}, {$610.00}, {$770.00}, {$300.00}, {$8700.00}, {$780.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

ALL of the accounts that have been constantly negatively effecting my credit are inaccurate. I have disputing with the original creditors as well as collection agency. I have also disputed with XXXX, XXXX, and XXXX. I have provided supporting documents such as police reports and proof that these are not mine, yet they are still negatively reporting. These need to be taken care of as this is putting me in a financial hardship.
Consumer complaint received 2023-04-12
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)

I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2024-11-19
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. (AZ)

There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this late payments represents a cancellation of debt and was not an outstanding obligation, it should not be classified as a late payment. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Consumer complaint received 2023-03-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$260.00} XXXX XXXX XXXXXXXX XXXX : {$420.00} XXXX XXXXXXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$180.00}
Consumer complaint received 2023-04-12
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. (PA)

This is the file number from the credit reporting company. XXXX  XXXX. 
They are saying this my account when it was sold to an collection company with giving me a copy of the purchase agreement. This shows the incorrections.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I have financing with XXXX XXXX through Synchrony Bank. I made a flooring purchase on XX/XX/XXXX in the amount of {$2600.00}. The purchase agreement was XXXX percent interest as long as it was paid by XXXX. I then purchased flooring on XX/XX/XXXX in the amount of {$5800.00} and I asked the sales rep at the store if this would be considered a seperate charge he stated yes. And that I did not have to pay on this purchase until the other purchase was paid for. I have now called Synchrony Bank to see why I still owed {$800.00} on my first purchase and was told by the manager at Synchrony Bank that they monthly payments I was making was going towards the new loan not the previous loan. I had expressed that I was not informed that it would automatically go towards the new loan. It seems to me that synchrony was making the payments to the new loan so that the intrest would be added to the previous loan. I have called Synchrony to request to change the payments i made to go to the first loan and was told by a manager that there was nothing he could do. I am filling a dispute with them. I want them to put all the payments i made from XXXX XXXX to now to be put to my first loan.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

BUSINESS ACCOUNT BEING REPORTED AS PERSONAL ACCOUNT XXXX XXXX XXXX {$6800.00} out of {$8000.00} Opened XX/XX/2020 ( XXXX XXXX )
Consumer complaint received 2022-12-06
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/XXXX I went to XXXX XXXX  and purchased a XXXX XXXX XXXX from wise auto. I traded my XXXX XXXX, put down {$1500.00} cash, and financed the rest through credit acceptance. I begin to have problems with the car immediately and was in constant contact with XXXX XXXX By XX/XX/XXXX I i had to take the car to a automotive repair shop who they recommended, since I had a warranty purchased from them. The repair shop said it needed a engine. I quickly called XXXX XXXX because I had just purchased the car 30 days ago, and I was paying a car note. XXXX XXXX gave me {$300.00} dollars back but I asked for the full amount plus the price of my truck i traded in. I sent them and credit acceptance a letter on XX/XX/XXXX letting them know I wanted to rescind this transaction, but they have yet to contact me. So this leads me to my letter today to you. 
I have also attached a statement as to what happen with the company they referred me to. 


XXXX of XXXX the car I had just purchased begin to have problems. I took the car to the dealer and they told me to go to platinum automotive. I drove the car to the location and signed and authorization for an estimate and they were aware that i had a warranty. They processed the claim to my warranty company and they came out to look at the vehicle. After they left they decide not to approve saying prior repairs to the engine which i wasn't aware of because i just purchased the car. I tried to get my car from XXXX XXXX  and that's when the made me aware they had already done the repairs. I told them they had no authorization to do the repairs, then they told me the papers i signed authorized the repairs. They wouldn't release the car to me and i made the finance company and dealer aware. They sent a request for a lien and i sent them papers saying they had no right to request a lien. I then sent another letter demanding the vehicles back they illegally said they did repairs on, and illegally repossessed when they were not authorized to do repairs. They then called me and made me aware that they sold the car and there was nothing i could do. The papers they used to file the lien shows i only authorized an estimate so I never agreed to pay them any money, But they took my car and would not give it back. This was the worst experience I've had and i did everything right. I filled a complaint with the security of state in Michigan as well. This is against the law and i'm still expected to pay the note to a car i don't have. Please help me with this situation. 

I submitted complaints with the security of state in Michigan, the XXXX, and the Attorney General against XXXX XXXX, XXXX XXXX and credit acceptance on XX/XX/XXXX on XX/XX/XXXX XXXX XXXX  begin to send me threats by text message. 
They are now saying they know were i live and i need help from the cfpb.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (GA)

XX/XX/XXXX, I offered XXXX XXXX XXXX an application for a XXXX XXXX XXXX XXXX for {$20000.00}. XXXX XXXX XXXX accepted my application and used the credit card information listed. They then asked me for a substantial down payment for a credit transaction. XXXX XXXXXXXX, the locations Finance Specialist, mentioned the Truth In Lending Act stating any private information given to the branch is to be held for 7yrs. The Truth In Lending Act also states that the finance charge shall be determined as the sum of all charges payable directly or indirectly by the person ( natural person or an organization ) to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. I literally extended, according to the Truth In Lending Act, two of my credit cards to an organization for the purpose of obtaining personal property. It was I who extended the initial credit. XXXX XXXX XXXX failed in their responsibility as a financial institution or an institution-affiliated to borrow the funds/credit ( redeemable from Federal Reserve Notes ) XXXX I asked for my application back as it yielded me nothing but heartache and new inquiries onto my Consumer Report, none with my permission which is illegal. Refer back to what XXXX XXXXXXXX said. I asked for the banks that also used my information ( 5 total excluding XXXX XXXX XXXX ) while I did not benefit at all. XXXX XXXX was polite enough to indulge my request. He then gave me XXXX XXXX XXXX adverse action letter. I asked XXXX XXXXXXXX if he could show me where in the Truth In Lending Act it stated private information must be kept on file for seven years, he responded by saying he wasnt a lawyer. They are all guilty of Unauthorized Use. 

I then called Westlake Financials Analyst XXXX XXXX. He said he couldnt do anything for me and he only deals with the dealership and said not to call him. I get it. But hes the Companys agent who personally saw my information, used it, and gave me nothing for it.
Consumer complaint received 2023-04-14
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: OneMain Finance Corporation (OH)

On XXXX XXXX OneMain made a hard inquiry without my consent.The credit inquiry listed is unauthorized and I have attempted more than multiple times to contact the company directly to have them remove the inquiry and havent received a response. 

OneMain Personal loans
Consumer complaint received 2023-03-14
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. (TX)

I have contacted the XXXX as of XX/XX/2022 about this issue of them having the wrong person in this bill. I have filed the FTC report for identity theft and have not gotten a response from them on this. I have made MULTIPLE calls to them in which they have given me contact emails and numbers that DON'T work!
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Lendmark Financial Services (NC)

After being told by finance representative that the loan interest rate would be between 16 % to 27 % as a worst case scenario, I co-signed for my son as this was his first purchase. Although we were informed that I had what they coined as A credit, we ended up at the very highest rate of interest of 27 % on their scale. We were also informed that we would have to secure auto insurance before the approval process was completed which the dealership salesperson said she thought was odd as well. 
Fast forward to a number of months into this loan and my son is struggling to keep up with payments so we inquired about a refinance and was lead to believe we would have a XXXX month gap where payment would not be due until this refinance was completed. Unfortunately, we were informed that their version of refinance was adding a year to the current loan with absolutely no drop in interest rate resulting in only $ XXXX less payment of what my son is already paying. 
Both my son and I were stunned when we received a denial letter ( XXXX separate letters in each of our names ) showing each of us applying for a {$1000.00} loan each for which we both had no idea about and was not informed in any way on. We are very concerned about the business practices of this company.
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
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. (SC)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT XXXX am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.KS ON THESE ACCOUNTS.