davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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: Lendmark Financial Services (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX and XXXX. XXXX, XXXX, LENDMARK FINANCIAL S add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-09-05
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: General Motors Financial Company, Inc. (GA)

I reached out to GM Financial because I have been noticing that my account wasnt showing up in my credit reports showing my on time payments s to help increase my score. I asked the representative, why wasnt it being reported and she told me at first the do report every thirty day to credit bureau. Not until when I asked the question, if they ONLY report accounts that are thirty days past due to the credit bureau. The representative can back and corrected the information she gave me prior, stating that they ONLY reported delinquent accounts and the account once it has been paid and closed. I then proceeded to tell her that doesnt help my credit at all but merely hurts it once closed it will drop my score.
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (NJ)

I leased a new XXXX XXXX XXXX for 42 months on XX/XX/XXXX and it was financed at the dealership by US Bank. 

My lease was due to expire on XX/XX/XXXX so in XX/XX/XXXX I reached out to US Bank to purchase the vehicle. 

I executed documents to finance the purchase directly with US Bank. The loan was approved and my monthly payments began on XX/XX/XXXX. The payments have been deducted monthly since that date. 

Since the purchase of my lease in XX/XX/XXXX, US Bank has not delivered to me the vehicles title, an authorization letter for DMV, and a check to pay the sales tax that they collected. These are the items that I need to transfer ownership to myself and register the vehicle in my name. As a result, I have not been able to drive my vehicle since the registration expired at the end of XX/XX/XXXX. 

US Bank states that they mailed me the title, document, and check on XX/XX/XXXX, but I never received them. I inquired to US Bank about obtaining a duplicate title, letter, and check. A representative from US Bank told me that they would obtain a replacement title from NJ DMV and send everything to me again but it will take 60 days. 

After 60 days I reached out to US Bank again to check on the status of the title replacement. I called every few days since the end of XXXX to try and find an answer. I always spend a lot of time on hold, I am never able to speak with the same person, I am constantly transferred and disconnected. About a week ago a US Bank representative said they would send the documents to me by overnight mail. I never received anything. 

Finally, on XX/XX/XXXX I was told by another US Bank representative that replacing the title was now my responsibility. I needed to mail them a {$95.00} title replacement fee and wait for another 60 days while they secured a copy from NJ DMV. At this point, I really dont trust US Bank because they never keep their commitments. In the meantime, I am making loan and insurance payments on a vehicle that I can not register or drive. I mailed the check on XX/XX/XXXX and US Bank confirmed that received the check on XX/XX/XXXX. 

After the holidays, on XX/XX/XXXX I called NJ DMV and asked if they had received a request to process a duplicate title on behalf of US Bank. I was told immediately that they see nothing in their system for my VIN number and that they are backed up with precessing requests from XXXX. 

I need your assistance to have US Bank deliver a replacement title, authorization letter and necessary documents so I can register and drive the vehicle that I purchased.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

There is a XXXX account on my credit report that is reporting incorrect. My credit report is showing three different dates of last activity. All three dates can not be correct. This means that my credit report is not accurate.
Consumer complaint received 2021-01-06
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: PENTAGON FEDERAL CREDIT UNION (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020 and XXXX. XXXX, 2020, PENTAGON FCUXXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MO)

LVNV FUNDING and Resurgent ( which I believe are connected ) have been on my credit report for quite some time. I never received anything stating who they were, how they were connected, or to which accounts. I do not see full account numbers on my credit report and don't have a way to verify anything. I sent debt validation requests to which no response has been made. I finally sent an offer to settle with LVNV just to get it removed from my report. It is hindering my credit score. However, there has been no effort on their part to respond to me.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A person or persons stole {$5000.00} from my Bank America checking account. 20 checks of {$250.00} cashed in Delaware. Happened in XXXX, but I was under XXXX treatment for the first half of the year and did not check my account. When I finally sent my paperwork to my bookkeeper around XXXX, she picked it up immediately. I went to my local branch and started action to be reimbursed. The gentleman handling the problem is XXXX XXXX XXXX at the downtown XXXX XXXX branch, XXXX. I waited. Nothing happened. He said the bank had sent me an affidavit to sign, but I never saw it. So he opened the case again. ... and again nothing happened. So he tried a third time. Now the bank saws it is against their policy ( notice ... not law, but policy ) to reimburse after 60 days. I need help. That's a lot of money.
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CO)

Hunter Warfield ( a debt collection agency ) is attempting to collect a debt which is not truly owed, and multiple attempts to clarify the situation with them and their client have been received with indifference and a lack of action to correct the situation. 

Hunter Warfield is collecting on behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, CO XXXX ) where my brother was renting. He terminated his lease early after the landlord failed to repair a serious sewage issue which violated both Colorado State Law and the lease agreement. Despite this contract violation, XXXX XXXX charged him early move-out fees which they sent to Hunter Warfield for collections. 

I have attempted to clarify this situation on the phone and in writing with both Hunter Warfield and XXXX XXXX, however Hunter Warfield has refused to consider the veracity of the claim. I additionally disputed this claim with all three credit agencies who did not remove the claim from my credit report, despite my providing written documentation proving the claim was inaccurate. 

It's sad and unfair that the credit agencies automatically side with a collection company which has no proof other than their claim while I have provided copies of contracts and written communications proving there is no debt to be collected.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I have frozen my credit with all credit reporting companies. I have tried to login to both Experian and XXXX to check my account and to change my password. I am unable to login to my accounts. Both companies say that I have no accounts with them. This does not make sense, as I know I froze my accounts. I tried contacting the companies via their website but could not go forward since the companies do not think I exist. I tried calling their various numbers but since I do not exist I can not access my accounts. I am unable to get a live person in access to my account because talking to a person is not an option.
Consumer complaint received 2021-01-06
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. (MO)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX. 

5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT ED/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-07-05
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I have received weekly advertisements with credit card offers from Citi bank over the past year. I applied for a credit card on or about XXXX of XXXX. Citi bank denied my request based on stating I had too may inquiries and being that i had a bankruptcy in XXXX I was denied. My credit score and my life has changed since then and my credit score is XXXX, and I own a home. I have credit cards from XXXX, XXXX  XXXX XXXX, XXXX XXXX. My issue is that Citibank keeps sending me advertisements for credit cards and when I applied again in XXXX of XXXX they again denied me for the same reason. The reason again was a bankruptcy filed, in XXXX, this should be illegal. The law states the c a bankruptcy can only held against you for 10 years. This is going on 13 years since I filed and my credit is good and all my bills are paid on time. I believe Citi Bank is an unprofessional unorganized company and I would appreciate it if they would stop mailing me credit card offers and to get their act together and not hold something against me or others for something that has happened so long ago. Is this how a company should do business? This has also lowered my credit score because of this.
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MD)

With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I've been having some issues with my car payment due to having back XXXX in XX/XX/XXXX and ended up losing my job over this. I had always stayed in contact with XXXX financial and always answered their calls. Also when they had called I had answered and they would hang up and call my dad who was co signer on the loan and tell him I didn't answer the call, which in fact I have records of this as well all calls. My farther relay the message and the next few times I had talked to them they try to say it was their end that their phones were messed up. There had been a few attempts that on a phone call i had voluntarily did a reposition of the car and the agent said oh no don't do that we are here to work with you. It wasn't once I had told them this because of being on XXXX and not getting much a month and they were well aware of how much I made being on this and at least XXXX less then what I was making from when I had a job they still refuse to pick up my vehicle as I asked them to do. After many months of struggling to make ends meet and just paying two payments I was still 2 months behind today XX/XX/XXXX they came to repo my vehicle and I given the key to them and was nice to the repo person. I feel that they took advantage of me knowing my XXXX and hardships that I've been dealing with that they put me in this mess as I offer 3 times to come pick up my vehicle. Now yes they did help me on some defer payments but also messed up the last two as one agent told me one thing and another would tell me another. So to me I feel that they took advantage of my hardship as well as my XXXX and wouldn't refinance the vehicle for me or help with losing the payments or even take the car back. Now I have requested to have all phone records pulled and all documents copied to see how they could do this to me.
Consumer complaint received 2021-01-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Credit Acceptance Corporation fraudulently reported that a payment was made in XXXX of 2020 and then proceeded to report " missed payments '' since then. My understanding is that the account should have dropped off my report at 7 to 7 years and 6 months. It has now been on my report for 7 years and 8 months. Through research I've learned that sometimes companies will record a false payment which causes the 7 years on your report to start over. 

This was a vehicle we helped a family member get and they defaulted. I have been working hard to repair my credit since my divorce, but the actions of this company have been detrimental in repairing my score. In XX/XX/2020, my score dropped 123 points and has had minor drops with each reported " missed payment ''. I had filed a dispute with XXXX, but the company merely made a " correction '' to something and the " correction '' was made on my report. I'm not sure what that correction was, but it was not the issue I am dealing with. 

Here is the company info : CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX CREDIT DISPUTE DEPT XXXX, MI XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (SC)

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 XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I got a call from XXXX ( XXXX/ XXXX Claim Number XXXX ) stating that I owed them {$2700.00} from a Tv that I took out in XX/XX/2012. All my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HAVE MY SSN, PHONE NUMBER, ADDRESS, and other other info. I called conns customer service and they stated they are not responsible for other agencies having MY PERSONAL INFO THAT I GAVE CONNS ACCESS TO. I dont know how they got my info when I paid everything in full and before contract was up. XXXX stated they can not give me more info just to make a payment which i have proof I paid it off in full.
Consumer complaint received 2023-07-05
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. (MN)

The following account currently listed and showing on my Experian and XXXX credit report is lost/stolen : XXXX XXXX XXXX : XXXX, and the transactions from XX/XX/2023 to XX/XX/2023 for {$260.00} are unauthorized and fraudulent transactions that are not my transactions.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank Americas Most Convenient Bank, has been AN INCONVENIENT BANK FOR MY FAMILY. 
On XX/XX/XXXX2020 I have opened a TD Beyond Checking Account for which I have received a promotion offer to earn {$300.00} when set up and receive direct deposits totaling {$2500.00} or more within 60 days of account opening. 
On XXXX XXXX 2020, they have decided to close my account after I have met all the offer criteria, for which the bonus was supposed to be credited to the new personal checking account no later than 140 days from account opening. 
They gave me a XXXX with a reference number XXXX. I have called multiple times, and left messages, but no one had returned my calls. I went to the physically branch at XXXX XXXX XXXX XXXX, XXXX XXXX, and I have been told they could not help since the account was already closed. 
I had {$3900.00} at the time account was closed until right now they will not give me my hard earn money. This is unacceptable, disrespectful and inconvenient. I went through the Holidays being short on my budget and adding to my credit card bill to make end meet. 
I am kindling requesting for TD Bank to release my money to me. 

Multiple complaints : Didn't receive terms that were advertised Funds not received from closed account XX/XX/XXXX20 Open account {$500.00} XX/XX/XXXX20 Direct Deposit {$1200.00} XX/XX/XXXX20 Direct Deposit {$1200.00} XX/XX/XXXX20 Direct Deposit {$300.00} XX/XX/XXXX20 Direct Deposit {$300.00} XX/XX/XXXX20 Direct Deposit {$300.00}