davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION (WV)

My wife and I purchased a used vehicle and financed with Credit Acceptance Corporation. After 18 payments were made on the vehicle I lost my job and asked Credit Acceptance if I could let the vehicle go back to them because I could no longer afford the payment, and they agreed. The vehicle was returned to the creditor in XXXX and I recently received a court summons in XX/XX/XXXX. 

Amount financed for XXXX XXXX XXXX - {$21000.00} Includes an extended warranty from XXXX XXXX XXXX XXXX XXXX. Both parties elected to opt out of purchasing any and all extended warranties. These signatures show the exact same time as the signatures to follow on the bottom of page 2 on the retail contract. Time stamped electronic signatures would show a different time stamp for both signatures if this was in fact signed at the time of purchase. ( See Attached ) Extended Warranty price - {$1500.00} All parties agreed to a purchase price of {$21000.00}. 18 payments were made on the vehicle, totaling {$13000.00}, leaving a total balance of {$8800.00} plus interest charges. Market value of vehicle at time of auction was {$14000.00} - {$16000.00} Vehicle sold at auction for 50 % market value - {$7900.00} Total balance ( minus interest charges ) after auction = {$930.00}
Consumer complaint received 2019-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX/XXXX XXXX store card closed a fraud account that was in my name. I still have them reporting on my credit report and still paid down the balance that I didnt use. They keep reporting derogatory remarks and statements on my credit report messing up my FICO Score. I have been through with them on this issue. I dont receive no bill or statements. XXXX/XXXX XXXX store card closed my account due to fraud. So why are they still reporting on my credit report? Why am i not getting a bill? Why am i not receiving any statements? I paid more than the remaining balance on a fraud account. Help me please!! I had to sign up so i can see the statements.
Consumer complaint received 2023-03-17
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: Freedom Mortgage Company (NJ)

In accordance with the Fair Credit Reporting Act the creditors has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 604A section 2 it also states a consumer reporting agency can not furnish my account without my written consent.

15 USC 1666B a creditor may not treat a payment under and open and any consumer credit as late.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (MO)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (NC)

SOMEONE STOLE MY INFORMATION AND COMMITTED FRAUDULENT ACTIVITIES ON MY ACCOUNT. CAN YOU PLEASE REMOVE THESE HARD INQUIRIES ASAP. 
THANK YOU SO MUCH.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent Experian a validation letter XX/XX/2023. Certified mail. I have not heard anything from them I disputed the XXXX accounts. 
I called Experian & XXXX to let them know that these account accounts were open without my permission. Its an identity theft investigation going on. 
I recently checked my credit report XX/XX/XXXX. Experian reported that the information was certified and accurate. I just got off the phone with XXXX and they said the investigation would not be complete into XX/XX/XXXX but Experian already reported that it was complete and that the account would stay on my credit report so Experian is lying. They never show proof, and they lied, and said that the information was certified when according to XXXX the investigation is not even complete. I also have the conversation recorded between me and XXXX to show proof that Experian lied about right about investigating and validation. 

XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The balance you are reporting I owe is incorrect and doesnt match my records. The payment history doesnt match my records. The date opened doesnt match my records. The account status doesnt match my records. Nothing matches. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

i am a victim of identity theft and the following accounts are not authorized by me nor did i give permission to furnish them. these accounts and inquiries need to be removed immediately. XXXX  XXXX account number XXXX, XXXX  XXXX XXXX  account number XXXX, XXXX & XXXX account number XXXX. the FTC say the regulation is 4days upon receipt to remove accounts and inquiries due to identity theft. I included the FTC affidavit that needs to be followed upon receipt and states it must be followed in four days. I also included ceased and desist that all parties need to adhere too in 4 days.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I HAVE REVIEWED A COOY OF MY CREDIT REPORT AND THERE IS INFORMATION REPORTING TO MY FILE THAT DOES NOT BELONG TO ME. I HAVE CONTACTED EACH CREDITOR REGARDING THIS MATTER AND THEY HAVE FAILED TO PROVIDE ME WITH ANT ORGINAL SIGNGED CONTRACT UNDER FCRA 609a, STATING THAT I AGREED TO OPEN A ACCOUNT AND PERSONALLY SIGNED MY SIGNATURE AGREEING TO PAY ANY DEBT. UNDER FCRA 605B FRAUDULENT INFORMATION REPORTING TO A CONSUMERS FILE MUST ME PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. I HAVE CONTACTED MY ATTORNEY AND SHOULDN THIS MATTER NOT BE TAKEN CARE OF IN A PROMPT MANNER, I PLAN TO FILE A LAWSUIT AGAINST EACH AGENCY REPORTING FALSE INFORMATION TO MY FILE WHICH HAS CAUSES FINANCIAL HARDSHIP AND STEEAS. PLEASE CONTACT ME BEFORE OPENING ANY ACCOUNTS XXXX THE FOLLOWING INFORMATION DOES NOT BELONG TO ME, PLEASE DELETE IT IMMEDIATELY. 

XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (AZ)

Company has refused to remove inaccurate information regarding late payments on my account as well as inquiries I did not authorize. I submitted the letters from the creditors advising the late payments being reported are inaccurate and to update them to pays as agreed on time and the credit reporting agency has failed to investigate and remove the inaccurate late payments
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX 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 I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX  or YOU. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. The letter you sent was to a address I never lived at before. I do not have a sister and never have. This is proof that someone is impersonating me.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (IN)

Two charges of {$280.00} were flagged. Got a call selected option that said not authorized/recognized. Waited for rep, and never got one. PNC tells me different things, and I am overdrawn. I can not even dispute at this time.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : $ XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-01
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-11-01
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. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2023-11-01
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. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-15
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. (TX)

I am writing to address a matter of urgent concern regarding my account with your company. It has come to my attention that there are several fraudulent items present on my account statement, and I am requesting immediate action for their removal. 

Upon reviewing my recent account statements, I noticed several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply troubled by the presence of these unauthorized charges. 

I have taken the necessary steps to report these fraudulent transactions to your customer service department, providing all relevant information and documentation. However, despite my efforts, the fraudulent items have not been removed from my account, and I am increasingly concerned about the impact on my financial well-being. 

As a loyal customer, I expect that my account is protected against unauthorized access and fraudulent activity. The presence of these fraudulent charges not only undermines my confidence in your company 's security measures but also poses a significant inconvenience and financial risk to me. 

I urge you to prioritize the removal of these fraudulent items from my account and to take immediate steps to enhance the security of my account to prevent any further unauthorized activity. Additionally, I request regular updates on the progress of your investigation and efforts to resolve this matter. 

Please provide me with a clear timeline for the resolution of this issue and any steps I need to take to expedite the process. Furthermore, I would appreciate compensation for any fees or charges incurred as a result of these fraudulent transactions. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NV)

Midland Credit Management calls me several times a day. Agents on the line use abusive nasty language. I have had agents call me and hang up in my face. I have asked that the company verify the debt and they just argue with me that it is my debt when I have repeatedly advised that it is not my debt. 

Midland Credit Management has refused to validate the debt or provide proof of the debt. I have been told that the amount that I woe is for {$690.00} however I dont know who they are collecting for and what the debt is for. Once again they have provided any information that this debt belongs to me. 

The last time that they called was 6 times today, XX/XX/2023
Consumer complaint received 2019-12-02
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. (GA)

There is a fraudulent account that is continuing to report on my credit file. I have been instructed to upload the police report and call in to attache to the file. Every time I call, they are not able to locate the police report that has been uploaded and mailed to Experian. Thus this fraudulent account continues to appear on my credit file. The fraudulent account is XXXX XXXX. I have never had this account and it was opened fraudulently. I am attaching all of my supporting documentation to this complaint as well.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2022-09-30
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. (SC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the JPMCB account also known as JPMorgan Chase Bank in a Charge-off status and past due balance estimated to be {$10000.00}. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Someone was stealing money out my account XXXX times. All XXXX did was send me a new card. And the person kept stealing, so i said give me a new account and routing number. XXXX said no, and CONTINUED to let the person steal out of my account.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NC)

On Saturday XX/XX/22, My card number was stolen in some way. Two Transaction attempts occurred to XXXX in the amount of {$900.00} each time. The first was declined and the second was pending. I recieved text messages, emails, and phone calls asking me to verify these and a few other transactions. When I answered the second call from Ally 's Fraud department ( I had missed the first call ), I explained to them verbally that I did not make those two transactions and that I am not authorizing it. The person I spoke to, told me that the transaction would be stopped and that my card was frozen and a new card was on the way. I decided to call ally back directly within an hour to confirm that those things were done. I was told that the fraud department was stopping the pending transaction for {$900.00} and that everything was all set. Later I saw that the transaction had posted, I decided to wait and trust the people that I spoke with. Today I called Ally, they told me that they had not frozen the card, they had not stopped nor disputed the transaction even though they had records of my phone calls explaining that those transactions were not me and that I wanted them to be stopped or disputed, and that they had not sent me a new card exposing me to risk of additional fraud. The person I spoke to today did have records of at least my call into their bank so I can verify I spoke with Ally earlier about this on Saturday.