davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (FL)

This is not for one company in particular. 
I have 2 credit cards and one personal loan that I had to use to pay bills and to relocate for a job. ( All due to Covid ) When disputing this credit there is a selection for Covid 19 issues.

All my disputes came back ok, because I paid they, they are not giving indication to the Covid issue.

If the government is offering grants or assistants for this debt, it should be noticed at the Credit Bureau of investigation, yet noting implied that I selected a Covid problem or any direction. I'm trying to get my credit score clean so I can be in good standing to purchase a home. Please keep in touch and provide direction on the new law 's and rules for the Covid debt relief. Thank you very much, XXXX
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I recently filed a complaint against Equifax regarding a public record on my credit report. After disputing the bankruptcy the results confirmed it was verified by XXXX XXXX solution. I provided a letter from XXXX stating that the public record was deleted for several inaccuracies do not exist. I was then told they verified it with the courts. I mailed in a letter from the bankruptcy court stating they do not report any information or records to the credit bureaus. I called Equifax and a representative explained that they call the US bankruptcy court ( an automative system ) to verify. Which violates section 609 because the system can generate false information. I understand that information has to be verified from the original furnisher. I was told by a XXXX XXXX that the credit Bureau can call them and they will confirm anything in my file to resolve the issue. After spending countless hours on the phone with Equifax I asked if they could call and confirm with XXXX with me on the phone. I was told no and hung up on. It seems as if Equifax is working against me instead of helping me. The representatives are very rude, impatient, and constantly telling me to file a dispute online. I would like all supporting documents that was used to complete my investigation such as name of people that verified the information, dates, and times. I have asked for this information during my previous disputes and was not provided the information. My question is how is a Bankruptcy that do exist in my XXXX profile XXXX your listed vendor ) being verified. Please delete this negative and inaccurate account from my credit report.
Consumer complaint received 2019-11-26
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Touchstone Partners, Inc. (TX)

Debt Negotiation Services a debt settlement company located in Florida refused to promptly refund the money I had in savings. DNS had placed the money in an account at XXXX XXXX XXXX  believed to be owned by just me. However, when I tried to get the money refunded the bank told me DNS owns and controls the money and they are the only ones who can authorize the refund. DNS threatened for it to take at least 30 days and up to 6 months before they would authorize the refund. A friend of mine has assisted me in getting this story out to the public. My complete story including supporting documents, recorded phone calls, and the results of a report published by XXXX XXXX at XXXX   can all be found using this link https : XXXX XXXX
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (WA)

I have a XXXX XXXX XXXX XXXX here in XXXX Washington. 
On XXXX XXXX, I received an Auto finance loan from a Company called XXXX in the amount of {$50000.00} ( XXXX XXXX dollars ) .Within sixteen months the principal and interest was paid in full on XXXX XXXX. 
I received a letter from XXXX  that I owed them $ XXXXI asked them to call the local branch here in XXXX Washington where the loan was received and talk to the accounts manager who signed the contract and received payments on the loan but they told me their accounts representative quit her Job and they can not find her, Instead, XXXX asked me to find her and get a letter from her stating that the accounts was paid in full. 
I responded and told XXXX that I can not find her whereabouts if they can not, and she had received my final payments and signed off on my accounts on XXXX XXXX after correcting and error of an applied outstanding balance of {$6400.00}, fund paid that were not applied to the accounts during her off days. 
XXXX submitted this debt to a collection Agency called Caine & Weiner who threatened my company and my family with legal actions and also to destroy my credit with the credit Bureaus, so that I will not get any credit in the future. 
Caine & Weiner had a Law firm called XXXX XXXX XXXX call me and threatened me with a law suit. 
On XXXX XXXX, Caine & Weiner posted a Negative report on my personal credit files ( attached ).
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX, XXXX XXXX XXXX, sent me a letter of {$390.00} with a offer to settle with my debt paid in full, a response needed by the end of XXXX. On XX/XX/XXXX of XXXX, I messaged the client through their website to pay the amount as soon as possible, leaving my contact information. After getting response, I emailed the attorney ( on XX/XX/XXXX ) there who I discussed the case with, her name is XXXX XXXX. I again received no response. After that, I messaged them again on their website and said that if I receive no response in 5 business days, the debt is considered settled in full. I again received no response. Today on XX/XX/XXXX I called and did get a response, but they said the offer was no longer available and knowledgeable that they had in fact received my messages. The person I spoke with said their client was behind the offer, he then told me the offer on the table is 45 %, which is much more than the offer I was offered, accepted, and responded to in the correct window.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

Yes my interest rate is 13.5 % yes I do not have great credit but during the covid they did not work with me at all zero that just kept threatening to take my house they wouldn't give me a forbearance they wouldn't do anything and during my divorce 17 years ago I did get the extended payments so they set up got all those so I couldn't get that there's nothing that they would do to help me during covet I have XXXX and I take XXXX and I'm still making my payments when my social security check I get behind and they harass me to know in the company is Vanderbilt mortgage they are awful the worst company and I've talked to other people that's actually not even behind like I am and they're like 15 days late and they start harassing them they would not help me at all nothing zero ok
Consumer complaint received 2021-08-31
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. (DC)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-31
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. (GA)

On XX/XX/2021, I sent formal complaints and an Identity Theft Report to XXXX, XXXX, and Equifax in regards to inaccurate reporting on my consumer report. 
It has been well over 30 days and I have not received a response and have not seen these items removed from my report.

As required by the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, 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.

They are also fraudulently verifying information on my consumer report. Pursuant to 15 USC 1681d, an investigative consumer report can not be prepared on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living ( which is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information ), whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

They are violating the law.
Consumer complaint received 2021-08-31
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. (GA)

On XX/XX/2021, I sent formal complaints and an Identity Theft Report to XXXX, Transunion, and XXXX  in regards to inaccurate reporting on my consumer report. 

It has been well over 30 days and I have not received a response and have not seen these items removed from my report.

As required by the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, 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.

They are also fraudulently verifying information on my consumer report. Pursuant to 15 USC 1681d, an
investigative consumer report can not be prepared on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living ( which is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information ), whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( XXXX ) ; and ( B ) the person will comply with subsection ( b ). 

They are violating the law.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CO)

On XX/XX/XXXX. XXXX someone used my personal information without my agreement on a website called XXXX. The amount for this XXXX debt was XXXX XXXX The address that was provided was my old address that I shared with my ex XXXX until XXXX. He still lives there. The email address used was his email. I never received any bills or knew about this debt in my name until XX/XX/XXXX when I noticed a Derogatory mark on my XXXX XXXX account. I immediately contacted the collection company which was XXXX XXXX XXXX they explained to me that someone purchased something for XXXX $ XX/XX/XXXX with XXXX and the debt is now owed with them since XX/XX/XXXX. I am currently in the process of filing a police report. I also tried to call XXXX to get more information but they cant help me because its already in collection. I am also waiting on my credit report with the major credit bureaus to see if there is anything else that was opened in my name without my permission.
Consumer complaint received 2021-08-31
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. (CA)

XXXX  XXXX XXXX XXXX {$1300.00} I have filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$3000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$3300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$1000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$950.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX {$2900.00} I filed an ftc report and spoke with the creditors and they refused to remove it. XXXX XXXX XXXX XXXX {$1600.00} I filed and ftc report an spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX {$2300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX $ I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX  XXXX XXXX {$300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX {$750.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$20000.00} I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. U.S. Bankruptcy Court XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX {$440.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.
Consumer complaint received 2021-08-31
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX I did not Authorize these Inquiries. I tried to settle with the bureaus, creditors, and still no one wanted to help resolve this issue at hand.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo bank has been taking advantage of the consumers and customers and those past banker 's of Wells Fargo bank for years. And fired those banker 's for telling the truth about Wells Fargo bank illegal activities. And taking advantage of those customers and consumers and forcing those past banker 's to open up fake accounts with out the authorization and consent of those customers and consumers permission. And Wells Fargo bank has lost the public trust because of these illegal activities that Wells Fargo bank wanted those past banker 's of Wells Fargo bank to participate in all of these illegal activities. In which these past banker 's of Wells Fargo bank could have family members that are XXXX or have physical XXXX but I believe that Wells Fargo bank can care less about how the consumers and customers feel about those families that are struggling to provide for their families and loved ones just as their pockets are getting fat and getting paid to keep silent about all of these illegal activities that Wells Fargo bank has not only myself was taken advantage of but other customers and consumers was taken advantage of. Now it's quiet obvious that Wells Fargo bank was sued for discrimination and it was how a XXXX and XXXX community and the XXXX XXXX  customers and consumers and people of XXXX all over the world has been effective by all of these illegal activities that has been going on for years and decades. And I have thought that we as Americans had a right to financial privacy in which now it's quiet obvious that we don't have any privacy and confidentiality if we ever had any privacy up under all these law 's why are the consumers and customers and personal information being exsoped to the public with out the authorization and consumers and customers authorization? It's these customers and consumers information is being sold and shared with the authorization and consumers consent. And it's bad on the farm worker 's. And all of us are in a pandemic. By any means needs not to be used as a way to take advantage of the XXXX people and people of XXXX know of our language and charge the consumers and customers all of these and not informing the consumers and customers of all of these hidden fees by any means.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

After several dispute requests, Experian did not update, correct or delete the XXXX XXXX account # XXXX. 

There is still an incomplete payment history which shows huge gaps of no payments reporting at all, even though Experian says it was updated. The last status update was XX/XX/2020.
Consumer complaint received 2021-08-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (OH)

In XXXX of 2016 my car was repossessed by credit acceptance corp. they refused at the time and afterwards to make any sort of arrangements to bring the account up current before and after the repossession. The company would not negotiate with me at all and put the account in repossession on my credit report where it remains to this day. I have contacted them multiple times to try and remedy the debt and work out an arrangement and all they do is refer me to an lawyers office and when i call the lawyers office i leave voicemails with my contact information for them to get in contact with me in order to work out any type of arrangement to get the debt taken care of and cleared from my credit report. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has never returned my phone calls or made any attempts to contact me. Its shown on my credit report that the amount still owed is {$3700.00} and it being on my credit report has caused me great stress it trying to finance any vehicles as well as housing for myself and my family.
Consumer complaint received 2022-12-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime (FL)

Monday XX/XX/XXXX I applied for an vechicle XXXX XXXX XXXX in which i was approved But after email and phone conversation I am filing a complaint regarding my experience when trying to finance a vehicle with DriveTime I was approved online and upon speaking with XXXX from the XXXX Fl location he proceeded to tell me that a downpayment was required, compelling me to give him my social security number/card, and asking to verify my income. I expressed to him how that is a violation of 15 USC 1605 and that down payments aren't required when financing a vehicle. Compelling me to give my social security number is also a violation of 42 USC 408 ( 8 ) and in fact is a felony. Also the definition of Income according to 26 CFR 643 refers to stocks, bonds, trusts, and estates. As a consumer when obtaining goods for personal, family, and household purposes I can, t be denied credit and completed that application in good faith. There are multiple consumer violations and even though I have already been approved I haven't heard back from him which now I am being discriminated against. I have not had a pleasant experience and will seek legal action if this matter can't be resolved.