davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
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. (VA)

To Whom it May Concern According to my most recent credit report, your company is currently reporting That I applied for credit with the listed below organizations. I did not grant them authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept these inquiries. If a signed authorization can not be found please remove these inquiries from Equifax. 

I have listed the inquiries below : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX , XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-31
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. (CA)

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 XXXXXXXX XXXX, XXXX XXXXXXXX XXXXhas 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 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 2021-01-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION (TX)

In XXXX of 2017 my wife and I were purchasing a vehicle XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Tx XXXX. The installment agreement says XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The issue is that the finance company, Credit Acceptance Corporation, XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX, and the dealer did not allow me to sign the original paperwork. I was out of town and the paperwork was pushed through without our consent and without my signatures. I complained to the Texas Attorney Generals office. The only result was that the finance company placed a computer generated contract on my account portion of their website. I noticed that the downpayment information is fraudelent. They entered a dollar amount higher than we actually put down. They refuse to acknowledge this situation. I believe they committed fraud with my application.
Consumer complaint received 2021-01-19
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: Experian Information Solutions Inc. (DE)

I sent out a round of letters to each credit reporting agency ( XXXX, XXXX  and Experian ) requesting that all collection accounts provide : The name and address of the original creditor, the account number, and the amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. I requested ALL information over 30 days ago an have not received any information from any credit reporting company to validate the debts.
Consumer complaint received 2021-01-19
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: Experian Information Solutions Inc. (VA)

Contacted both XXXX XXXX XXXX and Experian via phonecall XXXX. 
I was denied a charge card by XXXX via letter dated XX/XX/2021 for the following reason -> Insufficient credit experience and it was based on " in whole or in part, on information obtained from the consumer reporting agency : Experian '' and " is unable to supply the specific reasons why we have denied you credit. '' I telephoned and spoke to the XXXX XXXX  representative who was NOT helpful at all he referred me to the credit agency Experian. 
I telephoned and spoke to an agent of Experian and I explained to him that I am XXXX  years of age and if he could explain the reason given " insufficient credit experience '' for denial of a charge card that I could conveniently use during my travels. He stated the reason being that I do not use my credit cards showing any balance of any kind. My usage of the credit card ( s ) that I do have is consistent and I pay the balance in full to avoid any accrual of interest payments added to my credit statements. It is of my opinion that this is an unfair practice and a case of age discrimination in regards to applying for a charge card as a consumer in the marketplace especially since I have excellent credit and pay my bills in full. Furthermore, I feel that I have sufficient credit experience NOT " insufficient ''.
Consumer complaint received 2024-10-10
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. (NJ)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-17
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. (SC)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX  XXXX  XXXX Balance : {$690.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX  XXXX Balance : {$4500.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.
Consumer complaint received 2021-01-19
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. (CA)

XXXX XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX  XXXX  XXXX Balance : {$690.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX Balance : {$260.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 
XXXX XXXX XXXX XXXX Balance : {$4500.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX : {$100.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

XXXX XXXX XXXX : {$420.00} - There should not be any outstanding medical bills as ALL bills are covered under my workers ' compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees & HIPAA authorization or Delete this account.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-06-30
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)

THERE ARE XXXX FRAUDULENT ACCOUNTS UNDER MY NAME, I DIDN'T AUTHORIZE THESE ACCOUNTS TO BE OPENED, I DIDN'T APPY FOR THEM. I HAVE TRIED TO CONTACT THE CREDITORS, THE BREAUS BUT I CAN'T SEEM TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. BOTH OF THE ACCOUNTS WERE OPENED BACK IN 2021, WHEN I WAS IN THE HOSPITAL. THE CHARGES ARE THESE ACCOUNTS ARE NOT MINE, THESE ACCOUNTS ARE NOT MINE, I DON'T KNOW WHO ELSE TO GO TO TO GET THESE ACCOUNTS REMOVED ONCE AND FOR ALL.
Consumer complaint received 2021-01-19
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. (FL)

Hello, Please help me and do not ignore my message as I have something wrong in my profile. I am writing to you as I have a big mistake in my credit report .... I found the accounts that I do not recognize, I believe I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these items in my profile. I am requesting that you delete information from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2021-01-19
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: JPMORGAN CHASE & CO. (CA)

There are unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. JPMCB - CARD SERVICE Reported : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (RI)

I received a letter on XX/XX/XXXX from Credit Corp Solutions , Inc regarding my request to validate the debt. I then sent a letter on XX/XX/XXXX to Credit Corp Solutions, Inc informing that they failed to validate. I then receive another notice from Credit Corp Solutions today XX/XX/XXXX in my second dispute asking for information. At this time they continue not to validate and I am requesting this debt to be deleted per my consumer rights.
Consumer complaint received 2021-01-19
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. (FL)

I have been having a issue with this credit bureau for the past 2 weeks and not AUTHORIZED someone had fraudulently obtained my credit report and it is some hard inquiries on my account that i was told i can dispute if it is unauthorized. These XXXX refused to dispute these charges and im livid. I don't have this problem with the other credit bureaus Tbesides EQUIFAX AND IM FED UP ABOUT THIS. The other credit bureaus disputed this with no issues. But Equifax is giving me a hard time.
Consumer complaint received 2021-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (TX)

I applied for the cares act protection plan for one year. they refused to give 1 year option only 6 months. 

they constantly harass me about my income which is illegal according to the cares act. 

they also blocked payment options on the mobile app thus preventing me from trying to make any payments. 

they also sent a letter before the 6 months was up stating i will lose my home because im 6 months behind stating i owe the full 6 months. 

the cares act allows me to use the paused 6 months as 2nd lien due after the 1st mortgage.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (FL)

I was going over my credit report when I noticed a item that was not autorized and I would like it to be removed. 
XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2021-01-11
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: EQUIFAX, INC. (MS)

On XX/XX/2020, I mailed a letter requesting an investigation of inaccurate accounts found on my credit report. It has been almost two months and I still haven't received any results of an investigation.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (NY)

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 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (IL)

DEPT OF ED/NELNET- Account number XXXX is reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX and XXXX  have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.
Consumer complaint received 2021-01-19
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX ssXXXX XXXX This letter is a formal request to remove inquiries from my 3 Bureaus Equifax, XX/XX/XXXX and XX/XX/XXXX per FCRA if the companies listed can not provide me with my signature that I gave authorization to the following companies. The following companies are XX/XX/XXXX dated XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX, XXXX Auto Finance XX/XX/XXXX, XXXX XX/XX/XXXX. Please remove if a signed authorization with my signature can not be provided or validated under the 609 of the FCRA. 
Under the FCRA I ask you to investigate and to provide me with the authorized document with my signature that I in fact gave authorization to have my credit pulled. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion or your re-investigation. 
Thank you for your consideration and cooperation and if you have any question concerning this matter I can be reached at XXXX. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-01-19
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: CITIBANK, N.A. (IL)

There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. CITIBANK NA., BEST B Inquiry : XXXX. XXXX, 2020. XXXX XXXX : no contact information has been reported by this creditor. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-01-19
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. (NY)

I charged a purchase for about {$13000.00} to have a 3 D video made for me on XXXX XXXX  XXXX  and a potential XXXX cure. I am not disputing this charge but I have had no ends of problems with Citibank that issued my card. 
I did not use this card very often and had this card set up on an automatic pay the full balance method of paying the bill each month. I forgot about the pay all agreement and when the next month came - Citibank tried to put through the full balance. My bank rejected this attempt since I don't carry that much money in my account. 
My XXXX, XXXX  XXXX XXXX, contacted me about the problem on XX/XX/XXXX or XXXX. I called Citibank customer service about this problem and they agreed to change the automatic payment retroactively to pay the minimum balance versus the whole amount. Because they had overdrafted my account, the minimum charge didn't clear because they didn't reverse the $ XXXX charged against my account as promised. I found out that they charged the $ XXXX again on XX/XX/XXXX & I called them again on XX/XX/XXXX. They said they needed to talk to my bank to resolve the problem but wouldn't resubmit the $ XXXX again. They have no resubmitted over and over again and say they have no way to correct the problem - which is absurd. I also got a collection call again saying my payment wasn't made I tried over and over again to explain the problem and our agreement but she wouldn't listen and hung up on me. I can't get them to stop overdrafting my account over and over again. Our bank account is a mess and we are being charge overdraft charges plus late fees over and over again. I spoke to the consumer call center and the manager at the center in the XXXX three times now and they say there is nothing that I can do about this. We are desparate. They are taking all our money after I agreed to change the way our account is billed. They are paying no attention to me at all. They have now resubmitted the $ XXXX amount against our account a total of 13 times! Please help! I am XXXX years old and this is going to cause me to have a XXXX! My wife is beside herself and we are in a loop that t hey refuse to resolve - harminng us over and over and over again.
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2021 I made contact with someone on XXXX who was selling a XXXX. 
On XX/XX/2021 I made a XXXX dollar XXXX transaction. 
On XX/XX/2021 I filed a claim through wells Fargo to hopefully get my money back because I was fraudulently scammed. 
On XX/XX/2021 I was told they can't get my money back.