davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Premier Auto Credit (CA)

I bought my truck in XXXX of XXXX. I provided the insurance to the dealership as you always have to to be able to drive off the lot. My truck stayed for a week to get some repairs. I am being charged with LDW fee for that month. I was being charged an LDW fee for 26 other months but have shown all my declarations to get them finally taken off after I have been reaching out since XXXX of XXXX vis email and no one who respond. I got a statement in the mail on XX/XX/XXXX for my last payments. It said I owed XXXX. That was with the 26 months of LDW fees at XXXX each. I paid on the XXXX of XXXX XXXX because according to my credit report that's what I owed. I sent more emails and got nothing from them. Well I got a call on the XXXX of XX/XX/XXXX and she was telling me I owed XXXX I asked her why I was recieving the LDW fee when I have had insurance on my vehicle the whole time I have owned it. She told me to prove it. So i did on all but the first month I had the vehicle. She the said I still owe money from when they repoed my vehicle on XX/XX/XXXX. I then told her that my contract stated that my I had to be 15 days late to put a repo order out and I was only 2 days late when they repoed it. That the manager at the time told me that the repo fee was waived as they took it with no rights too. It was paid in full by XX/XX/XXXX. My bill was due on XX/XX/XXXX. I have screenshots showing that I was only 4 days late when I paid the bill. I was left without a vehicle for 4 days because they took it. They have now called me today to tell me that I owe XXXX and I need to pay that to get my title. According to my statement on XX/XX/XXXX I owed XXXX. I paid XXXX to them on XX/XX/XXXX and now paid them XXXX today XX/XX/XXXX. From my statement I have overpaid. They seem to keep adding more fees and not willing to send me a statement and nothing is available to see on my online account with them. They send me emails but wont respond to me at all. Most of the time they wont let me record the phone calls so I can have proof of things. If I tell them I wont let them record me because they dont save anything they tell me they won't talk to me. They send me one thing in writing and another thing on the phone. I have spoken with XXXX XXXX on XX/XX/XXXX and XXXX. Today I spoke with XXXX XXXX who would not transfer me to her supervisor. She told me to text him or email him my stuff and I have. His name is Mr. XXXX. I have emailed both of them all the breakdowns and showing proof that they repoed my vehicle being 2 days late. I am at a stand still with them because they seem to add more money to my account and I keep paying what they say and then they wont send my title. They wont out anything in writing and I just cant trust them.
Consumer complaint received 2020-03-18
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: Capio Partners, LLC (SC)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : ASSETCARE LLC {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX I Account Number XXXX Account Type Utility Responsibility IndividuaXXXX Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.
Consumer complaint received 2020-03-18
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. (SC)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$9300.00} Open balance XXXX XXXX XXXX XXXX   Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Open balance XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2022-03-26
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 RE : Complaint Number XXXX Date : XX/XX/2022 To Whom It May Concern : I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question.

Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at the address listed above Your cooperation and prompt attention are greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (HI)

This is hard to describe, but this best I can do. I watch my XXXX  report. I am a XXXX, not XXXX. 
I am relocating from XXXX  to XXXX. An XXXX  rward card would help. 2-3 weeks ago, XXXX  reported I had one hard inquiriry. 
I applied to XXXX and XXXX and was denied due to excessive inquiries - all of a sudden 9. 
I also got a notice with the wrong address stating I was denied for a loan. It had the wrong address on it and I have no recollection of applying. And why would I. I am happy with my XXXX XXXX and Bank account. 
People dont answer the phone and I can not delay patients to to sit on hold. It is XXXX and I havent slept. 
I know have been defrauded by XXXX, but have no meaningful resolution process. I get denied for a purchase I did not have a meeting of the minds with and I never received. They refused to contact vendor, the obvious solution. They also approved a transaction flagged as fraud by XXXX XXXX, which I am not stupid enough to ingnore and reply to XXXX. 
I have a time issue due to working long hours, plus my relocation is in danger. As a XXXX XXXX during Covid, this seems quite unprofessional. I reach out ot you as 1 ) Inquiriry count is wrong 2 ) fraqudulant charges 3 ) lack of response by credit agencies and issuers 4 ) inability to persit due to time limitations 5 ) Risking poverty due to not being able to fulfillobligtions due to these errors. 

I dont know where else to reach out I the consquence become serious in a week or two.. 
I thank you for any help you can supply and getting these complaints on the record. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

I am applying for Public Service Loan Forgiveness. I have been a social worker since 2009 and have been uploading documents to My Fed Loan for years. When I go to my upload history to review my past interactions with them, my past uploads have been deleted from my account. I did not delete them. They are assessing my qualifying payments at XXXX. This is incorrect and I need them to review it again and fix it. If they assess me at XXXX that would mean they are counting under 3 years of my work experience which like I said, I have been working for much longer than that with qualifying employers.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-03-18
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: CL Holdings LLC (SC)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : JEFFERSON CAPITAL SYSTEM {$9300.00} Open balance XXXX  XXXX XXXX XXXX   Original creditor XXXX  Opened XX/XX/XXXX JEFFERSON CAPITAL SYSTEM {$2300.00} Open balance XXXX  XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On the last complaint I submitted, I explained that I sent 2 letters with XX/XX/XXXX being the last date I sent a letter to the bureaus regarding this collections account that does NOT belong to me. Not only have I called in several times about the account, but I've called numerous amount of times as well! It's been well OVER 60 days now. In the next 60 days, how do I know the bureaus won't say this again? It's a stall tactic and preventing me from being able to obtain the credit I am eligible for!! I do not understand how an account that again does NOT belong to me is being reported.The credit bureaus are in violation of my rights per FCRA. This is false reporting and negilgent of the bureaus and collector. I will not tolerate being overlooked and undermined about a serious matter. The bureaus WILL be hearing from my legal team to pursuit remedy and litigation from both the collector and bureaus!
Consumer complaint received 2019-12-28
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: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX XXXX XXXX : It is your responsibility to ensure your permissible purpose in accordance with the Fair Credit Reporting Act before reviewing a consumer 's credit report. Demonstrate that your hard inquiry for Experian dated XX/XX/2019 met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (CT)

XX/XX/XXXX, I was in a car accident and ambulance services were provided that I didn't ask for or require by XXXX of XXXX XXXX in the amount of XXXX $ Between XXXX and XX/XX/XXXX I was in contact with XXXX  of XXXX XXXX to dispute bill because it was not processed through Insurance per my request. 
I gave them the insurance information and never heard from them or received a bill after that contact. 
XX/XX/XXXX I review my credit report as I do at the end of every month to verify accuracy. I find a debt collection account has been opened on XX/XX/XXXX through XXXX XXXX services for XXXX of XXXX XXXX for XXXX $ but wasn't reported to me until XX/XX/XXXX on XXXX XXXX. 
I wasn't able to dispute the accuracy of it through online services because XXXX XXXX reduced call center hours and there website dispute process was down to do Corona Virus. 
I was not sent a bill or given any paperwork between XX/XX/XXXX and XX/XX/XXXX notifying me I owed any amount to Phoenix Financial Services or XXXX of XXXX XXXX. I was not called and no message was left in order to contact them or verify the amount that is now in collections. I believe this is a violation of my rights, as I can't pay a bill i don't know that I owe and I have no way to contact them in order to pay it to remove it from collections.
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

In XX/XX/XXXX I went to the XXXX XXXX branch located in XXXX  XXXX, CA with my mortgage payment slip, as I always do each month to make my payment at the branch. The bank teller could not locate my loan in the system. A bank manager made a few phone calls and discovered my loan had been sold. I never received any written notice from XXXX XXXX my mortgage loan had been sold or to whom. While I was at the bank I talk to a person name XXXX, who gave me an address to mail my XXXX payment to ( that address did not exist according to the USPS ), she also told me I would receive a letter from XXXX XXXX and a new loan welcome package from the company who my loan was sold to. I never received either. I sent a letter and payment to a address I found on line requesting information about my loan. The only information I received was a one page letter dated XX/XX/XXXX from Rushmore Home Management LLC stating they didn't have any information other than the owner of my loan is XXXX XXXX XXXX XXXX XXXX and they would review the matter, and I would receive information from them within 30 days. As of XX/XX/XXXX, I have not received any information from XXXX XXXX XXXX XXXX XXXX, or Rushmore Home Management LLC and/or XXXX XXXX. I have sent several certified letters including payments to Rushmore, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX but no one has responded or returned the checks. I also sent proper Error Resolution Notice under 12 C.F.R. 1024.35 to both XXXX XXXX and Rushmore ; my written Notices of Error, Requests for Information and Complaints to the correct address, according to their web site : Rushmore Loan Management Services LLC, XXXX XXXX   XXXX, XXXX, CA XXXX, Re : Error Resolution Notice under 12 C.F.R. 1024.35. I never received a response to my letter and Notices of Error, Requests for Information. 

By the way, I also sent a certified letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with my mortgage payment enclosed and a copy of the letter I received from Rushmore Home Management LLC dated XX/XX/XXXX. They never responded to my letter and the checks were never returned.
Consumer complaint received 2022-03-26
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Data Finance, LLC (FL)

Hi, On XX/XX/21, I sent a certified letter to Personify Financial to dispute this alleged debt. The address they have on file for all communication is XXXX XXXX XXXX XXXX XXXX, CA XXXX. The letter was returned on to the sender on XX/XX/21 because the address is undeliverable and unable to forward.
Consumer complaint received 2020-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

i had bought some appliances from Conn 's in XX/XX/2020 and when I received my payment book the amount was twice what it should have been. When I contacted them I was told that extended warranties and life insurance was added to my account. I contacted them and asked that they remove it and was told to contact their warranty department. I contacted them inXX/XX/2020, told them I wanted it removed and I dint recall asking for the additions. The representative told me it would be removed in a couple days. When I called back on XX/XX/20 I was told it had been removed but, my balance didn't change.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TX)

This account was paid off in XXXX of XXXX but, still shows open and a balance. 
I have called them repeatedly, last time being XX/XX/XXXX at XXXX XXXX. 
The last representative I talked to XX/XX/XXXX told me it was closed and XXXX balance remains but, when you pull up the account it shows active and a large balance.
Consumer complaint received 2024-04-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (PA)

On going issue with Wells- Fargo , creditor has reported a missed payment to my Credit File for XXXXXXXX XXXX XXXX 

This originates from me allegedly inputing incorrect bank account information into their system that resulted in a reported missed payment. 

This is not true, I received confirmation from a Wells-Fargo Act associate that multiple customers were having similar issues regarding this matter following Wells-Fargo either updating or changing their systems.

Customer service associate promised removal of this reported late payment, Wells-Fargo has repeatedly failed to respond to Letter, E-Mails and complaints regarding this matter.
Consumer complaint received 2021-06-17
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. (NC)

I have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 and XX/XX/2021. 

Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! 

I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. 

The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.