davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

Im submitting a complaint in reference to Credit Acceptance Corporation ( CAC ). They are reporting my auto loan account as open. This loan was paid off by the insurance company on XX/XX/XXXX. How can they report an open account with no monthly payment amount listed? Also the open and term dates are reporting inaccurate. They have it listed on XXXX  : High balance {$15000.00}, Current balance : {$14000.00}, payments made : {$1400.00}. Report date XX/XX/XXXX, Open date XX/XX/XXXX. Late payments {$0.00}, their reporting as over 120 past due. So within a two year timeframe, their saying I only paid {$1400.00} towards my balance. This is an auto loan not an revolving line of credit. Each credit report is reporting something different. I will attach a screenshot of the reports to support my claim. I would like this company to be removed of all three of my credit reporting agencies. Then see attached documents I have lawyer office saying I owe them for the same auto loan.
Consumer complaint received 2021-06-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (NC)

SPECIALIZED LOAN SERVICING HAS FAILED TO VERIFY THIS ALLEGED DEBT, BY COMMITTING CRIMINAL ACTS OF FORGERY AND ALTERING DOCUMENTS TO COLLECT AN UNJUST ENRICHMENT.

NUMEROUS REQUESTS TO PROVIDE A CERTIFIED COPY OF ORIGINAL NOTE/ HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT HAVE NOT BEEN PROVIDED, SPECIALIZE LOAN SERVICING RESPONDS BY SENDING INFORMATION THAT DOES NOT PERTAIN TO REQUEST AND AVOIDS THE REAL ISSUE SPECIALIZED LOAN SERVICING CONTINUES TO INFLATE ALLEGED BALANCE BY ADDING UNJUSTIFIED AMOUNTS THAT THEY HAVE NOT PROVEN THE RIGHT TO DO SO.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (TX)

Early warning System ( EWS ) is reporting fraud to financial institutions, which is preventing me from opening an account. I have disputed the improper verbiage with EWS, but have been unsuccessful. To my knowledge, I have not committed any fraud. Nor have I been provided any documentation from EWS or any other financial institutions stating otherwise.I have requested that EWS remove the fraud from my consumer file if they can not provide me with proof within 30 days. They have failed to do both.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Ive been a victim of identity theft. Ive sent multiple 605b and FTC reports to Equifax and XXXX continues to ignore. Which is a violation of the FCRA. XXXX  has deleted all items because they are fraudulent!! 

The following fraudulent accounts are 1.. XXXX XXXX XXXX {$1300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 

2. XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$500.00} Ive never done business with this company or entered into a signed contract! This account is fraudulent! 
3.XXXX  XXXX ( XXXX XXXX XXXX ) {$2300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 
Please See Attached FTC Report
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2021-06-24
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. (NY)

1. I have never been late with payments on this account. Balance on the account is wrong. 
XXXXXXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX AccoXXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

In XX/XX/XXXX I pulled my credit file and found that LVNV Funding was reporting I had a collection account with them from XXXX  XXXX XXXX. They reported the account was opened in XXXX and the amount due was over XXXX. I sent LVNV a dispute letter on XX/XX/XXXX asking them to validate this debt, I also requested contact only via mail and to not contact my home or place of employment by phone. 
I receive the attached response from Resurgent/LVNV stating that they went to court and receive a judgment against me. I dispute the validity of the document for multiple reasons I never received any type of notice/ documentation that I was being taken to court When I went to XXXX county records department and searched for the cause number no records were found and the cause number was invalid I requested a national court document search to locate the official paperwork and again the cause number was invalid and nothing was located via the Pacer data base. 
The document sent to me by Resurgent looks to be possibly made in house, It has no identification markers that are typically found on official court documents issued by the courts. 

I have attached all documents for your review
Consumer complaint received 2021-06-24
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. (OH)

The below accounts are reporting to all three of the credit reporting agencies under my name and my info, I have contacted these companies advised them, that this has to be a mistake because I have never done business with any of them and that these accounts are reporting to my credit negatively and that its is effecting my family livelihood. Please see the list of the accounts and all the details, of which i do know. 

XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been writing all three credit bureaus and they have continued to ignore me. I wrote them on XX/XX/XXXX I wrote them again on XX/XX/XXXX and I still have not heard back from them as of today XX/XX/XXXX. This stuff on my credit report do not belong to me and I want it removed from my report. i am asking you to get these three companies to remove this stuff from my report. I never gave them permission to report these fraudulent accounts. For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

my name is XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (CA)

Loan Number XXXX This complaint is involving WSFS Bank XXXX XXXX XXXX, XXXX, DE XXXX a second loan that was closed in XX/XX/XXXX for {$65000.00} with no prepayment penalty. Per my last statement dated XX/XX/XXXX my principal balance is {$620000.00}. Due to the high interest rate of the predatory loan at a XXXX. I looked at the option to refinance to a lower rate. I requested a payoff statement to refinance to a much lower rate. At the height of the covid19 pandemic I had a mortgage deferment of 6 months. My monthly payment for the loan is a total of {$490.00}. The breakdown is {$340.00} interest and {$140.00} principal. I resumed monthly payments earlier this year. The account is current on my behalf. The only payments that I should pay is 6 months of regular payments. WSFS is charging me a lot of extra interest fees, satisfaction fees, etc. When this loan has no prepayment penalty. This is predatory lending at its worse that continue to devastate our communities.
Consumer complaint received 2021-06-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX a second loan was opened for the same car by the dealership because they made an error and instead of correcting the error Wells Fargo opened the second auto account and checked my credit again. When I brought this to Wells Fargo attention they had no idea what happened, I called them on XX/XX/XXXX to alert them of the situation. I called them again on the XXXX to discuss the situation further and to see the actions that would be taken to correct the issue. The escalation department followed up with me on XX/XX/XXXX telling me what happened and that situation would be corrected, the second loan would be deleted and that they had received the payoff check from my credit union where I had already refinanced the car on XX/XX/XXXX. The representative also spoke to the loan officer at my credit union advising that every thing was taken care of and the money would be applied and corrected to the first loan and the loan for the car was released to the credit union. On XX/XX/XXXX I discovered that the loan for the car had been paid off with my credit union and Wells Fargo are the ones who paid it off. When I called Wells Fargo they advised that I had not paid off the account and that the loan was still open and active with them and that it needed to be paid. I advised that I had spoken to someone in their escalations department and they advised everything thing they had taken care of. They advised that they were not sure why but the check was reissued. On XX/XX/XXXX I was contacted by the escalations department again and they advised that they wanted to speak to someone at my credit union and tried her best to advise why the check was sent back and see if the credit union would reissue the check to them. Luckily my credit union was ok with not checking my credit again since it has dropped from the amount of checks it has had recently. Wells Fargo advised they would be issuing a credit correction for me but when I asked on the XXXX I was advised that it also hadn't been completed yet. I was advised on XX/XX/XXXX that the credit correction would be done and still nothing yet.
Consumer complaint received 2021-06-25
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: JPMORGAN CHASE & CO. (MA)

On XX/XX/2021 while on vacation in XXXX my credit card was stolen while at a restaurant. I was unaware that it was taken until I got home on XX/XX/XXXX after the limit was already spent. Ive explained to them that I had two cards with the same account number because chase had upgraded my slate card to freedom unlimited. I have sent them photos of my chase slate card to prove that I still have that one and thats what I used to try and make a purchase at a restaurant near my house. I have spend hours calling and being put on hold. Ive sent photos that supported my statements showing I wasnt in XXXX and couldnt have made purchases at XXXX and a jewelry store. I was in the process of applying for a loan to purchase a home while this has been going on and it significantly impacted my credit score. I have filed police reports and proceeded everything they have asked for. I have been told I would receive a phone call back the same day multiple times and I have not.
Consumer complaint received 2021-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

I was served at my workplace by the XXXX  who holds my debt. When I called the XXXX they didn't answer. When they called back they didn't identify themselves as the debt collector. The lady who called me said that they were a lawfirm and in the process of trying to sue me. She asked if they could look at my file so she could help me further. She did not tell me they were pulling anything from my medical records to use against me. But that's what she did. They did not tell me that they were asking to pull my file due to HIPPA Laws. They reached out to my employer and threatened to put a lien on his Property if he didn't submit information about payroll. He sent the information and they called him and yelled at him and threatened him again because they thought he didn't send the information even though he did. They told him and I that they would be Garnishing {$25.00} out of each paycheck but this paycheck they took out {$800.00}. They have been aggressive, deceptive and threatening. I told them multiple times I would like to work out a payment plan. They have tacked on almost {$400.00} in fees on top of the debt. I feel like they have operated outside the boundaries of ethical treatment and have crossed the line with my place of employment,
Consumer complaint received 2024-03-22
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. (NJ)

Trans Union XXXX and XXXX have violated my

consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. Who is going to govern these agencies? By 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 - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX- XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  - XXXX - Please delete this item immediately. 

XXXX XXXX XXXX XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I XXXX XXXX XXXX the natural person and consumer have had my rights to my consumer report violated.Pursuant to 15 USC 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) NotificationA consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
Experian has been given its due process of 4 days to remove these fraudulent accounts & have not followed the laws that were set in place for them to follow!! Law is Law there is no substitute for it.I need these accounts removed from MY CONSUMER REPORT Immediately as this has caused heartache and trauma to my ability to obtain property or otherwise.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Ok, I am tired of Experian keep on reporting that I have accounts in negative status ( 14 ) which is completely ridiculous. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 12 inquiries that I never allowed or made myself. Now, I need for experian to send me full proof that I was late or these accounts belongs to me. They have 30 days to respond or I will sue them for reporting the wrong information and to show where I gave permission for my information to be displayed and for inquiries, show me the proof.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GreenSky, LLC (CA)

On XX/XX/2021 entered into contract with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX. They offered me a no interest loan with Green Sky, XXXX XXXX XXXX, XXXX, Ga XXXX. The offer was for 0 interest for 12 months. 
My contract with XXXX XXXX XXXX XXXX states that final payment would be due at substantial completion of projects. XXXX XXXX & XXXX charged my Green Sky loan on XX/XX/2021. I immediately called Green Sky and told them that charges should not be made because I did not authorize payment and I had not received merchandise.