davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (IL)

After I had been approved for a auto loan for a used vehicle, was given the financing The dealership took the vehicle back saying they were advised the vehicle was unsafe and should never have been sold. When I declined to purchase another vehicle costing thousands more, I suddenly began getting letters telling me I had been denied financing to purchase the vehicle because of my credit. These letters go so far as saying my credit score will go from XXXX to XXXX. There is NOT one negative comment on my credit report, Until these financial companies started this. I dont understand what they are doing to my credit worthiness. I cant find a government office who is willing to help me, no one seems to be concerned that after a lifetime of good credit, buying 3 homes and never being denied credit how all of a sudden I can not buy a used vehicle? There is something very wrong and suspicious about what is being done to me. XXXX XXXX  is also a culprit in this manner. Their letter says I was denied due to the age of the vehicle and collateral XXXX XXXX should have known that bank did not finance vehicles within that age and XXXX XXXX NEVER asking if I had other collateral to offer. They instead chose to damage my credit report.
Consumer complaint received 2022-12-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mid-Atlantic Finance Co., Inc. (FL)

Hello, The letter below is a copy of my Official Notice to XXXX XXXX. 
I am simply applying the laws that congress has in place and Demanding Remedy for the damages and causing substantial harm to me causing me to be at risk of losing my apt and in an actual eviction Should you want to look at their reviews on XXXX you will see XXXX reviews of how they are violating the consumers rights with deceptive and misleading practices causing harm/injury to many other individuals. This letter is to address the cfpb to investigate and demand they cease all collections and any further debt collection Affidavit of Rescission I, ( XXXX XXXX XXXX ) consumer natural ( woman or man ). I, ( XXXX XXXX XXXX ) current principal dwelling ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). I, ( XXXX XXXX ), swear that the information in my sworn statement is the truth to the best of my knowledge. 



I, ( XXXX XXXX ) hereby exercise my right to rescind this auto loan agreement. ( XXXX XXXX ) Located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX. The consummation of this XXXX XXXX agreement took place ( XX/XX/2020 ). There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 usc 1635 I was not giving full disclosure of all the terms in the Auto Loan agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within XXXX days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation. 

I, ( XXXX XXXX ) once again swear that the information in my sworn statement above is a complete representation of my knowledge. 

Thanks for giving this your prompted attention! 

ALL PAYMENT REIMBURSEMENT SHALL BE MADE BY CHECK PAYABLE TO : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-03-25
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. (AR)

I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspected that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

After several dispute letters and two FCRA rights under section 609 : Include a statement indicating that I am exercising my right under the FCRA, section 609, and they I am requesting all information related to debts listed on my credit report. State that I am entitled to all documents related to each item, including each original credit application and contract containing my signature. Request for removal. In addition to requesting information about items in your credit report, include a statement reminding the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.
Consumer complaint received 2020-03-25
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. (AR)

I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspected that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-04-03
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: Experian Information Solutions Inc. (GA)

Experian is reporting fraudulent accounts that were a result of identity theft. Fraudulent accounts are continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).
Consumer complaint received 2022-12-29
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)

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 2020-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A fund trasnfer was made via XXXX via Bank of America to the following CONFIRMED XXXX account : XXXX. 

Upon sending the money, the recipient disappeared and never send the item. 
After 6 hours missing, I decided to report the fraudulent transaction to Bank of America and was advised that BOA does not guarantee the fund can be recovered. 

How can this type of platform is allowed to function within the bank application? 

I would like BOA to recover the fund and return back the money to my account as courtesy. 

Thank You, XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

( b ) Opt out ( 1 ) In XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNTS LISTED BELOW : BANK OF AMERICA, N.A.- XXXX ....
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (PA)

I have opened a Identity thief case XXXX after found my credit score dropped down from excellent to poor. The problem was someone open Target store credit card in XX/XX/XXXX and paid couple payments a never paid balance after. In XX/XX/XXXX balance was {$470.00}. I have never open a card in Target. I am very rare using this store for purchases mostly for the business. I am in general long ago stop practicing crediting. I have opened two credit cards only for travel purposes and my payment history is more than excellent. Average I pay within month or two regardless amounts. And travel balance amounths always much more than {$470.00} and paid very quick. Why then I would open this small balance and not pay? So I filed complaint to Target and all Credit bureaus with this number and without results. My credit score is low and I am asking to investigate and help to restore my good name
Consumer complaint received 2020-03-25
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: CITIBANK, N.A. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investiagtion results.
Consumer complaint received 2020-03-25
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: FACTUAL DATA CORP. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investiagtion results.
Consumer complaint received 2019-04-15
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. (VA)

My credit reports list monies owed to XXXX. I have written to the collection agency, XXXX XXXX XXXX requesting proof that I owe monies on this account, but none was ever sent. I notified the credit agencies that this creditor never sent me the required proof, yet they continue to list this account on my credit report. 

My credit reports list XXXX XXXX XXXX and XXXX for monies owed to XXXX. I submitted documentation that showed that the original creditor was paid However, the credit reporting agencies continue to list XXXX XXXX on my credit report. Furthermore, two separate collection agencies can not be listed on my creditreport over the same account. 

My credit reports list a bankruptcy that should have been deleted since the 7 years of reporting it has expired.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX  AND XXXX  AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS HAVE BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THESE TRANSACTIONS. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THERE ARE TWO ACCOUNTS ARE OPENED UNDER MY NAME : XXXX PERSONAL LOAN ( ACC NO : XXXX**** ) AND BANK OF AMERICA ( ACC NO : XXXX**** ). I SENT A POLICE REPORT TO XXXX  BUT XXXX    REPORTING AGENCY DID NOT REMOVE THESE FRAUDULENT ACCOUNTS
Consumer complaint received 2020-04-03
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$18000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2020-04-03
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: Merchants' Credit Guide Company (IL)

XX/XX/2020 I mailed a request to XXXX  and XXXX  I havent received any documents back about the in accurate account not mine being removed theres no proof these are accurately my accounts. 

XXXX  {$350.00} reporting from XXXX  and XXXX. Mailed dispute to XXXX. 

I have mailed dispute to XXXX  and still reporting XXXX  Merchants Credit {$150.00}.
Consumer complaint received 2023-07-12
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. (PA)

Called Equifax on XX/XX/2023 to report accounts that were closed over 10 years, requested the account to be removed. On XX/XX/2023 they updated the account for another 10 years which means this closed account will be on my report for a total of 20 years.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (IL)

see the documents that I attached here. I want you to help me investigate and remove the late payment remarks on my credit report that should not be late payment at all.
Consumer complaint received 2020-04-03
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. (AZ)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

in accordance with the Fair Credit Reporting Act XXXX 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
Consumer complaint received 2020-04-03
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. (AZ)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The questions do not really apply to this. 
I tried to receive the paycheck protection program from Bank of America. This is my small business bank since XX/XX/XXXX when we opened the business. I was told that since I do not have a loan or credit card history with them that I am not eligible for the program. I have checking and merchant services through them. 

This is a federal program backed by the SBA to help small business stay open during the Covid-19 crisis. 

I have not needed any loans or credit cards from BOA. I do not see how Bank of America can keep my business from receiving these funds just because I have not taken out a loan with them previously. 

I also can not go to another institution because you are required to have an existing account with any other bank before XX/XX/XXXX.
Consumer complaint received 2020-04-03
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX XXXX {$6600.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$18000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2019-04-15
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. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/2019, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX {$1200.00} not mine
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NJ)

I am having trouble with Citibank. Due to the COVID-19 outbreak, XXXX XXXX, which I have owned for 40 years, has declined. I began contacting Citibank at the beginning of XXXX because I knew I would be unable to pay my credit card payment which was due on XX/XX/2020 in the amount of {$160.00}. I called no less than 10 times trying to reach a solution with Citibank, but they have been unresponsive and I was constantly advised to " call back, we're working on it, no email from upper management, etc. '' I was concerned about late fees, being reported to the credit bureau and also my interest rate being increased. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, account specialists, the collection department, the client focus team, all to no avail. I received another bill yesterday which included a late fee of {$29.00}, my interest was raised from 12.99 % to 29.990 % due to my " credit performance, '' and I was told that I would be reported to the credit bureau. Please be advised that I am XXXX years old, have an EXCELLENT credit rating, and have not made a late payment in YEARS. This action is unconscionable during a time when many people are losing their jobs. I am a senior citizen and have been quarantined for more than three weeks since I am in the XXXX XXXX area. I eventually made the payment but had to borrow money from my son in order to do so. Can you please help?