davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NE)

On XX/XX/XXXX, there were two unauthorized deposits of {$1200.00} at an ATM in NY. See attached page from bank statement for more details. 

On XX/XX/XXXX, there were six unauthorized withdrawals for a total of {$1800.00} made with the " XXXX XXXX ''. See attached page from bank statement for more details. 

I did not recognize the transactions until the there was a withdrawal the bank the attempted attempted to correct the unauthorized deposits and withdrew {$1200.00}. It seems the checks may have represented a stimulus check. I have never received a stimulus check have have not been to New York, nor have any connections in New York. In order for the fraudulent deposits to be made, someone had to have stolen my pin and created a fraudulent card. 

So + {$2400.00} on XX/XX/XXXX, - {$1800.00} on XX/XX/XXXX and then - {$1200.00} in XXXX leaves me down {$600.00}. If the banks try to correct the other {$1200.00} deposit, I would then be down {$1800.00}.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX  is reporting XXXX as a collection and as an account that was bought by a third party. Not only is XXXX  reporting the account as delinquent but also as an account that has been sold to a third party for collection. 
The information regarding the account in the report is not only incorrect but also being reported multiple times in different ways as a negative account.
Consumer complaint received 2018-05-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NC)

On XX/XX/XXXX I switch from XXXX to XXXX XXXX for a lower rate ... my insurance premium ended on XX/XX/XXXX ... and I did not have a lapse in coverage now XXXX   has sent a collection account to the 3 credit bureaus without explanation ... I feel as if I should not be charged {$270.00} for trying to find a lower premium especially if XXXX XXXX has more benefits ... they are over charging me as if I had a lapse in coverage ... I want XXXX to remove this from my credit reports
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-18
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: Experian Information Solutions Inc. (TX)

I have been a victim of identity theft. This is particularly frustrating to me because I am a XXXX XXXX in the community and teach others about how to protect their identity. 
This happened several year ago and it has taken alot of time away from my family and I to try to rectify this. There are accounts that are not mine. Yes. I have hired a lawyer here in Texas to contact these companies but the collection companies appear to be stubborn and actually I believe they are refurnishing the accounts or selling them off to other collection companies. I do need help and can certainly provide your institution a copy of my police report. I am grateful that our government has an oversight organization to help.
Consumer complaint received 2023-05-25
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. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXXL inquiry XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  inquiry on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry on XX/XX/2022 and there is US DEPARTMENT OF EDU XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.
Consumer complaint received 2020-03-07
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. (IL)

Experian is reporting XXXX as a collection and as an account that was bought by a third party. Not only is Experian reporting the account as delinquent but also as an account that has been sold to a third party for collection. 
The information regarding the account in the report is not only incorrect but also being reported multiple times in different ways as a negative account.
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have made so many attempts to try to get capital one to work with me through my struggles with Covid-19. I have now had it three times in the last two years. I have suffered a severe hardship. I am working with state assistance to help with my home and my family is helping my cope with the healing and bills where they can. I just got another alarming phone call where there was a threat to harassment in phone calls and ruining my credit if I did not come up with XXXX right now. I only asked to please lower my interest and lower the amount to something I could work with like {$100.00}. I could at least sell something in my home online to pay this amount. But with 29.99 % interest Ill never stop drowning and thats all covid feels like. Capital one has been so mean and angry with me. It seems like they could reach out and be heros with those suffering covid! We never asked for this and could die and then they would never get the money. At least Im trying. Im trying to keep a roof over my head. Show some kindness please.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  is reporting a XXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.
Consumer complaint received 2023-06-09
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (OH)

To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, specifically relating to late and missed payments reported by Bridgecrest, formerly known as XXXX. This complaint seeks immediate attention to correct derogatory and inaccurate payment information that does not accurately reflect my payment history. 

Details of the Dispute : The inaccuracies relate to the following reported late payments : XX/XX/XXXXXXXX  : Reported 30 days late XX/XX/XXXXXXXX  : Reported 60 days late XX/XX/XXXX : Reported 30 days late XX/XX/XXXXXXXX  : Reported 30 days late I assert these reports are erroneous. For each of the months in question, payments were mailed in a timely manner via USPS, ensuring that they should not have been classified as late. The discrepancy may result from postal delays or processing delays on Bridgecrest 's end, but in no instance was payment authorization or initiation delayed on my part. 

Demand for Manual Investigation : I hereby request a thorough manual investigation into these discrepancies, explicitly excluding the use of Automated Consumer Dispute Verification ( ACDV ) or any other automated processes. My request is based on the need for a detailed review that accurately considers mailed payment dates and processing times, which automated systems might not adequately address. 

Request for Prompt Modification and Reversal : Upon verification of the inaccuracies detailed above, I demand the prompt modification and reversal of the derogatory and inaccurate payments from my credit report. This correction is crucial for the integrity of my credit history and future financial opportunities. 

Transparency and Documentation : Furthermore, I request documentation or a detailed explanation of the procedures used in the investigation within thirty days of this complaint. This includes any evidence considered and the rationale behind the findings. It is vital for me to understand how my dispute is evaluated and resolved " reasonably ''. 

Clarification of Desired Outcome : To be clear, my aim is not to seek reimbursement of payments or fees but solely to ensure accurate and fair credit reporting. The inaccuracies in my credit report are detrimental to my financial standing and must be addressed promptly. 

Non-Consent to Automated Dispute Verification : I do not consent to the resolution of this dispute through ACDV or any similar automated means, given the specific nuances of my case which I believe require personal attention and a manual review process.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2020-09-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX of 2019, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, TX added a derogatory mark on my credit profile per XXXX XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

A relative in XXXX used my social security number to get XXXX XXXX services at her apartment. She left a bill of {$100.00} and I paid that bill but it is not my bill. It has brought my credit score down and hurt me in different ways financially. I would like it completely removed from my credit report. This relative lives in XXXX Arizona. They didn't ask for my ID because she doesn't have my ID if they would have done that they would have seen that she's not me. It's really unethical what happened here.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

I have contacted LexisNexus twic

e, one by mail and once by phone. The company has failed to take action to comply with the California rights to privacy. They have made the website not work with intent to harm California residents as they get paid to report information and do not want to delete my opt out request and correct the file. I am requesting help as they are not resolving the matter. Copy of second Letter to Lexusnexus has been
provided for support.
Consumer complaint received 2020-03-07
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. (IL)

On XX/XX/2020 Experian reported that my account with XXXX XXXX was 30 delinquent. However this information is not accurate as the charges that XXXX XXXX has attributed to me are not related to the actual payment history. The charges are being disputed.
Consumer complaint received 2023-06-09
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. (TX)

In accordance with The Fair Credit Reporting Act XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose
Consumer complaint received 2020-03-07
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I have made numerous disputes and Method of Verification requests and XXXX  Credit Reporting will not comply. I do not believe they are even investigating and just using the E-Oscar database. I have plainly asked for their method of verification of how they are verifying the completeness and accuracy of what they are reporting. They keep responding back ( They verified that the items belong to me ). I have enclosed some of my past dispute letters and method of verification requests and I still can not get them to comply. 
The alleged debts are being reported by the notorious Portfolio Recovery Associates. 
Their reporting has been detrimental to my credit scores and has caused me great financial and mental distress. 
What can I do to make them at least do their job as required by the FCRA and comply with my requests or delete the items I disputed.
Consumer complaint received 2018-05-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (DC)

On XX/XX/XXXX my Navient loans emerged from deferment after my cosigner 's bankruptcy disbursement was accepted. My total loan with Navient is {$160000.00} and my monthly payment is {$1300.00}. I only make {$50000.00} a year in Washington, DC, and between servicing two other loans, bills, and living expenses that exceeds my funds my hundreds of dollars. 

That evening, I attempted to fill out Navient 's payment plan estimator tool, but I continued to get error messages. After thinking it was a misunderstanding of mine, I called them on XX/XX/XXXX to speak with a live person about repayment options. The person I spoke with informed me that my loans were not eligible for payment plans and that the total is due beginning in XX/XX/XXXX. I explained that the payment was greater than my rent, and I was simply can not make that payment. My representative then asked me how much I think I could pay. Naturally, I thought that was suspicious and told her I would not haggle, I know there are formulae used based on my income they could use to determine a more manageable payment and that I would not engage that line of questioning. Next, she explained there was one option - an " interest only '' payment plan. The interest only plan estimated about {$940.00} a month and still exceeds my means. She said I had no other choice. I told her to put it in my account notes and I would call later. 

On Monday XX/XX/XXXX I called again to get some paperwork to review. It was the same story with no other plans, but then they told me they could not send me anything until I agreed to it on the phone. That really raised my suspicion. I refused to that arrangement and asked they send me an estimate in writing to my email. They said they had to write a special letter and only could send it through the USPS. I am currently awaiting that letter. 

My job hunt is dependent on me paying my bills, and this can severely impact my ability to pursue a career and earn an income.
Consumer complaint received 2018-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION (CA)

My complaint is to follow up on my previous complaint. Lobel send me a letter trying to justify their actions. They also sent a vehicle history report that says the vehicle in question has no accidents. When in fact it has 4 accidents that were not disclosed at the time of purchase. I have sent them my demands.
Consumer complaint received 2020-03-06
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (CA)

As to XXXX XXXX 's response on behalf of Discover case # XXXX, the new basis of my complaint given your response is you are required by law under the FCPA and it's underlying regulations to immediately remove and immediately cease furnishing inaccurate information. To be clear, specific, and to help in your actually responding to my complaint ; per your own response, a payment made by myself on XX/XX/2019 was returned by XXXX XXXX on XX/XX/2019?? A month later? Under what cause? And by whose authorization? Then, again by your own report, a payment of {$500.00} made on XX/XX/XXXX was also returned by XXXX XXXX on XX/XX/XXXX? Again, I ask under what cause because on both you state unauthorized, is that akin to claiming fraud? Again, who made the claim and on both, you fail to state after two returned transactions as " unauthorized '', what contact did Discover have with me on either as to verification, etc? After the first returned funds under " unauthorized '', was my card shut off? Any security measures made? Any contact with me? Then my account was closed on XX/XX/2019. My claim is clear, those returned payments were done under identity theft and fraud, I never once authorized, filed claim on, disputed any payments I made. And for clarification, how is a payment made out of my account a month later deemed unauthorized? Does that mean XXXX XXXX was claiming someone was making my payments for me? You have, continue to report inaccurate, misleading, information which again you are well aware. Under the FCPA, that was to cease immediately long ago. This is the clear basis for my new complaint, I am again notifying you as you were also provided a police report, FTC Report, and next attorney general 's report that I was a victim of identity theft and fraud. Further, XXXX XXXX has just two days ago admitted in writing I informed them the payments taken were legitimate and admitted they were lawfully responsible to repay Discover immediately. It couldn't be a more clear case. Please feel free to dispute anything specifically stated here, please do not devalue this agency nor the Laws under which you are bound.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX