davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I met my the. Wife at XXXX XXXX XXXX sales because she asked me if I would co-sign for her to get a car. When I get there the guy basically starts asking me all these questions that seemed normal so I respond but the whole time I never see her doing paperwork or being asked questions. I just figured she would after I did. So he comes over and stands right up against me and starts telling me to sign here and here all while rushing me the whole time. I told him I wanted to read them and his response was it is just standard stuff.. a little bit later he comes back and hands her the keys. We leave and a few days later Im checking my credit and see I have a {$18000.00} dollar auto loan.. come to find out her credit wasnt good enough to even put her on the loan so instead of me just co-signing he put the car 100 % in my name. Thats not something I agreed to do. He may have had me sign a paper or something but he wouldnt give me time to read them plus he lied to me about other things and papers as well. He told me she got a awesome 2 year top of the line warranty that the lender GAVE her but when I started going through all the paperwork to see what happened I saw that they actually charged her, well me, {$2000.00} dollars extra for that great warranty but turns out it was the bottom of the bottom warranty program and the reviews say its basically impossible to use. So theres another lie. So a couple months later her and I split up because Im mad he didnt talk to me or tell me that l was using my credit that I spent the last 2 years working so hard that it cost me my marriage. I got my credit all the way the way up to over XXXX. And just yesterday I saw it dropped in just one moment over XXXX points not to mention now the car has a blown motor because she had issues with it literally from the XXXX day she had the car. But yet that amazing warranty is supposed to cover engine work but I doubt it. So now the car is about to get repossessed and thats going to hurt my credit even worse. I busted my XXXX building up my score because I wanted to buy a house for me and my XXXX kids for when her and i divorce but now I have no idea what Im going to do. I cant afford the rent on a place big enough for us and l am scared. I cant end up without a home.! And yes Im mad at her because I dont understand how she didnt know he was doing this but at the same time he even had me thinking it was in her name. I just want this loan taken off my credit and for them to do whatever it is the have to do to get my credit score back up. I mean this is embarrassing its so low.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2023-08-22
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2021-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

WORST CASE OF PHH MORTGAGE/OCWEN FRAUD The year XX/XX/XXXX was the 30th year of my 30 year mortgage. For many years prior, PHH/Ocwen did nothing but commit one fraudulent act after another against me. Fed up with their fraud, I was finally able to refinance my mortgage and get it out of the hands of PHH/Ocwen. 

In XX/XX/XXXX, I purchased my home for {$46000.00} and after nearly 30 years of mortgage payments my loan payoff was a staggering {$40000.00}! Nearly 30 years of payments and all I got credit for was {$5800.00}! After the refinance was completed, PHH/Ocwen sent me a check for {$5.00}! 

PHH/Ocwen committed such crimes as changing my loan type without my knowledge/consent, placing my payments in a suspense account rather than posting payments directly, failed to pay down principal, always claimed I owed more money ( never submitted me any proof ), placed me on several forbearance plans and even though I never missed a payment, the amount they claimed I owed always increased, and fees - all kinds of ridiculous fees that amounted into the thousands of dollars! When PHH/Ocwen fraudulently changed my loan type from a FHA, they began to charge fees. When my loan was a FHA, I was protected from fees. 

Several attempts for help was made, but PHH/Ocwen never responded to my attorney 's qualified written requests. Nor would they specifically address any questions pertaining to why my mortgage payments were being placed in a suspense account and other discrepancies. They would just send a letter claiming I was always behind in my payments. 

I have no idea where my 30 years of payments went or whose pocket ( s ) it went into. This company has no right to be in business. They are nothing but thieves! Hell won't be a surprise for them. 

( Documents are available for your review. )
Consumer complaint received 2023-06-06
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. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-05-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX {$260.00}.
Consumer complaint received 2023-08-22
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. (IN)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IN)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXXXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of fraud and identity theft. ALL of the hard inquiries need to be removed from my TransUnion credit report. 

XXXX XXXX Location XXXX XXXX  XXXX XXXX, XXXX  XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/2022 Phone Phone number not available Inquiry Type Individual
Consumer complaint received 2023-08-22
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. (IN)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ERROR CODE BLNK THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT PLEASE REMOVE ERROR CODE BLNK
Consumer complaint received 2023-08-22
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. (CA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (GA)

My rights have been violated. I was not aware of this debt going to collections. Please view regulations. 
15 U.S. Code 1681h - Conditions and form of disclosure to consumers. A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification. 

Original Debt : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX  , XXXX XXXX 
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$76.00} Amount {$76.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2023-08-22
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. (MI)

I contacted my Bank which informed me several times that they didnt report any late charges on my accounts. I called them a several times. Then when Experian claim they contacted them and they reported that it was accurate, I need to see report because the company is lying to their customers. Maybe because of handing my title in late. I was assured by servals loan officer in the correct department that I was never late and they didnt report that information. Very upset causing damaging effects on me finically and credit report,
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (VA)

With full faith and credit, I kindly request that the CFPB conduct an impartial review of this matter and engage in discussions with Experian, XXXX, & XXXX to encourage a fair resolution. My objective is to have the inaccurate late payment entry removed from my credit report, thereby rectifying the unjust impact it has had on my creditworthiness. 

I appreciate the efforts of the CFPB in ensuring that consumers ' rights are protected and that credit reporting agencies uphold their responsibilities. I believe that with your intervention, this matter can be resolved in a manner that is fair, just, and compliant with the FCRA. 

Please provide me with confirmation of receipt of this statement and any updates on the progress of the mediation. I am available to provide additional information or answer any questions that may arise during the mediation process. 

Thank you for your attention to this matter. I look forward to a positive resolution with the assistance of the Consumer Financial Protection Bureau.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (NJ)

After almost 2 years of trying to resolve this matter I have been repeatedly told that if I do not pay this debt it would severely destroy my credit. 
This debt was opened by someone else using my credentials ( name and DOB and possibly my SS # ) I have made it clear that this XXXX XXXX XXXX phone account was NOT opened by me and they refuse to hear my story. 
At one pint they removed it then within 30 days ( last year ) put it back on my credit report. 
This is causing me serious problems and I have tried for almost 2 years to resolve this matter with no avail. 
Please help me in this matter, Here is their contact information I have : RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you so much
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (WA)

I've disputed this transaction with XXXX  3 times already, every time I call them to advise debt has been paid and I have documentation to prove it, they advise me that a dispute has been started, but actually do not start one. I have continuously asked for proof that a dispute has been submitted, and they continue to refuse to provide one. I have tried submitting disputes online as directed by XXXX, but their website never works, and I've advised them the latter. I also called the credit collection agency and gave them authorization to talk to XXXX  regarding this matter, XXXX  will not contact the credit collector to inquire about the debt. I have tried calling XXXX  over 15 times, and i keep getting bounced from one supervisor to the next, with no action taken. I have mailed a letter to XXXX with a receipt of debt payed, still nothing.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-22
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. (TX)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

My original complaint about Bank of America ( BoA ) was closed prematurely by CFPB with no response from BoA and the issue is still unresolved. 

My original complaint about BoA : I was based and worked in XXXX XXXX  for XXXX from XXXX until my retirement in XX/XX/XXXX Before I left XXXX, I cleared ALL my debts and closed all my accounts including credit cards at Bank of America. However, despite asking that all my accounts to be closed and " allegedly '' closed, I discovered In XX/XX/XXXX that BoA is still charging my accounts with monthly " bank fees ''. In XXXX I spent close to {$100.00} in phone calls to BoA customer service to ensure that my accounts were closed. They allegedly " reversed '' these fees stating that was an automatically generated " system issue '' and that they would pass on the information to the appropriate department. I refuse to spend any more money contacting BoA due to their lack of customer service, diligence and banking compliance. I am now back in XXXX XXXX since XX/XX/XXXX and discovered that BoA has been charging my allegedly " closed accounts '' Monthly bank fees for XXXX and XX/XX/XXXX. ( refer to attached Screenshots and copy of email ) In my bank account, it has an overdrawn account balance of - {$24.00}!! In my case, they are deliberately " failing '' to close my accounts. I have already sent by mail XXXX official letters to close the accounts. Although being in XXXX XXXX I could " ignore '' them. However, I would do so at my own peril. Left unchecked, these unpaid bank fees will eventually attract default payment fees, referral fees to bailiffs and the likes eventually Courts fees added to the lot with a warrant to arrest should I ever put a foot in the XXXX ( or even transit via the XXXX ) with the outstanding amount totalling thousands of XXXX Dollars for XXXX individual. I would be grateful if your office could address and expose the bank 's rot at the expense of the average consumer. Thank you for your time and consideration. XXXX XXXX ( XXXX )
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I am writing to formally dispute an inquiry listed on my credit report. I did not authorize this inquiry, and I believe it is inaccurate. I have no association with the listed creditor and have not initiated any financial transactions that would warrant such an inquiry.