davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-12-21
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: ALLY FINANCIAL INC. (NJ)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  XXXX. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX XXXX. Identity Theft ALLY FINCL Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-21
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a dispute on XX/XX/XXXX with Capital One - there has been no update, and the merchant ( XXXX ) continues to charge my account despite my dispute. I had to call back and request that they block the merchant - something they should've done when I filed the claim.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

I initiated a complaint through the XXXX XXXXXXXX asking for validation of a debt reporting on my credit report. The debt collector communicated back with me ( consumer ) on XX/XX/2024 stating " This office confirms receipt of the dispute submitted by the consumer. Please note that our office will respond to this dispute with the consumer directly. '' Almost 30 days have passed and the debt collector still has not provided verification of the debt or allow me the opportunity to dispute the debt. 

They did not include any statements to dispute the validity of this debt or the address of the original creditor which is a violation of 15 USC 1692g 809 ( a ) ( 4 ) & ( 5 ). 

I would like this account removed from my credit report. 

Collection Company : CREDIT COLLECTION SERV Account : XXXX Amount : {$490.00} Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TN)

On XX/XX/2024 I reached out to Creditt payroll companies in regards to this alleged it? I requested an investigation for this collection, and I am still waiting for results. I am not familiar and I do not owe this collection.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendah LLC (GA)

I need the inquiry removed. The violation made was 15 USC 1681s2 - Responsibilities of furnishers information to consumer reporting agencies. And may be in violation of 15 USC 1681 ( e ) -Procurement of consumer report for resale. The inquiry shared to other agencies is damaging to the credit report.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting to XXXX and TransUnion, as well as, XXXX  is also reporting falsely. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that 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 XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2023-01-20
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: JPMORGAN CHASE & CO. (NJ)

Card was opened fraudulently under my name XX/XX/19. This has caused a major inconvenience to my personal and financial life being that this is cause my credit report to be misleading and has caused an insurmountable amount of potential earnings. I advocate for this to be resolved immediately to reduce further damage upon my well being.
Consumer complaint received 2023-01-20
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. (CA)

This is my third 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX XXXX XXXX. Account number:XXXX. Reason : Please verify and validate all data for this account, every notation, dates, and balances, whether reported or not.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PA)

Hello, I am not sure if you deal with ALLY bank. I have had issues with them since I started banking with them. I had filled disputes earlier this month and they blocked my account from doing so. I am unable to even look at my account. I get paid through XXXX  which is linked to Ally. I called Ally to unlink my XXXX account and they will not do so. I have been hung up on when asking for a supervisor by the back office. I recently was paid through XXXX and they will not give me my money. I was told this would be resolved in 3-5 buisness days and this was on the XX/XX/XXXX. I need my money like anyone else and I don't see how this is legal to hold someone's earnings as Ally is doing. I've had nothing but issues with this bank from the start. At this point I don't care about the disputes I just want my money Tha was sent through XXXX and they will not give it to me!
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I have fraudulent accounts, I did not open on my credit report and I have contacted the credit bureau 's and credit companies to have the items fixed on my credit, but the items are still reporting on my credit and is damaging my credit history. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX XXXX my debit card was stolen. Once I noticed my debit card missing I call the bank to cancel my card. TD Bank told me to file a police report which I did on XXXX. I have file a fraud claim to dispute for the charges, on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have denied all my claim. I have sent them all the information they have requested and still DENIED. TD Bank has closed my account and send me to collections. I just received another letter today. When I call the collection office refer me back to TD bank.TD have denied my claim even after sending them a police report. Its discrimination, Belittling, just plain harassment and gender profiling.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: MUFG AMERICAS HOLDINGS CORPORATION (FL)

On XX/XX/2021 I applied for a Visa credit card from UnionBank of NY ( MUFG Union Bank N.A. ) using their online application process. The next day on XX/XX/2021 they pulled my credit information, so I know the application was in process. On XX/XX/2021 I called them to see what the status was. The Customer Service Rep I spoke to said she could not tell me anything from what she saw in the system. She further stated that I should receive something in the mail with in 7-10 business days from the application date. It is now XX/XX/2021 and I have not received any communication from them. I called their Credit Card Customer Service again on the XXXX, and they could not tell me anything. They suggested I call the branch near me. I looked up their branches and they are all on the west coast - CA, OR, WA. I called one in Oregon and they had not way to help and suggested I come into a branch. I live in Florida and that is not happening. 

By pulling my credit they have impacted my credit score and thereby affected my ability to get other credit.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I requested and was granted forbearance by Loan Care but without notification they canceled the forbearance even though the time period in the approval letter had not run. They then reported the mortgage in default to the credit reporting companies. I called up and was told it was a " glitch '' in the system and they would reinstate it. However, when they reinstated the forbearance the term was shortened considerably. The approval stated that the forbearance would end on XX/XX/XXXX but they have it ending first XX/XX/XXXX then XX/XX/XXXX. I have asked them through phone calls and letters to fix the credit reporting issue, also the fact that they reported a payment late when the check was mailed on time, they claimed they did not receive it but the check was never returned and I had to stop the check. I want them to honor the original agreement for the forbearance term, remove the negative remark from the credit. Also last week they were calling me every day despite the forbearance being in effect
Consumer complaint received 2021-12-21
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: TD BANK US HOLDING COMPANY (CA)

I have sent letters to XXXX, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting to XXXX and XXXX, as well as, TARGET/TD is alsoreporting falsely. They removed some reports from XXXX but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that 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 XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX  Balance Owed : {$210.00} XXXXXXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2021 I filed a claim with Wells Fargo because there were numerous large amounts of debits from my account. I have spoken to the claims department about it several times since then and to no avail, nothing has been done. The amounts totaled {$6800.00} on 5 different occasions. I was told that the merchant was located in XXXX but then was told that they never contacted the merchant. Wells Fargo did nothing in my regard to help me recover my funds but instead denied my claim, they never did their due diligence. On XX/XX/2021 I spoke to them again and was told that there was nothing more they could to help me and for me to file a police report. I said ok and once I Called back to ask what should i tell the officer, I was then told that its doesn't matter and not to file a report because my case was closed and that it wouldn't help me at all. So on XX/XX/2021 I contacted Wells Fargo corporate office and they submitted a message to the claims department for them to call me back and they never did, and even prior to this they still never called ma back as stated. I have yet to talk to anybody in regards to my claim. I literally just talked to corporate again today and I was told I will receive a call in 10 days. Thats what they have told me 7 times already and I still have not received one phone call.
Consumer complaint received 2021-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO. (FL)

On XXXX2021 I, a consumer, a natural person, received Pre-qualification Letter from XXXX XXXX XXXX XXXX for {$50000.00}. XXXX-2021 I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX and spoke to Finance Manager XXXX XXXX about using my pre-qualified XXXX XXXX letter to purchase an vehicle. He told me that they don't accept XXXX XXXX after asking me to fill out a credit application. After I extended my credit, XXXX proceeds to tell me that the only way I can purchase the vehicle is with a cash down payment, add a joint applicant or will talk to XXXX Finance Director to " see what they can do. '' and XXXX will get back to me. I followed up with XXXX XXXX who told me there was nothing he can do. I left voicemails with XXXX XXXX, Financing Director to call me back and he never did. In Summary, FORD MOTOR CORP and XXXX XXXX XXXX took adverse action against my rights as a consumer by denying my credit, Discrimination with respect to any aspect of the credit transaction pursuit to 15 US CODE 1691, and unfair deceptive and abusive acts of practice.
Consumer complaint received 2024-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (TX)

On XX/XX/XXXX, my daughter and I were involved in an apartment scam in XXXX XXXX, NJ, where we lost {$1100.00} from PNC Bank and another {$1100.00} from XXXX  XXXX XXXX via XXXX payment to the supposed landlord of XXXX XXXX XXXX, XXXX XXXX, NJ. We found out later that evening that " XXXX XXXX '' did not own the house and had no authority to even show the apartment to rent it. I contacted my bank PNC and they told me they would investigate but when the investigation was complete, they told me that they would not replace the funds. As for my daughter, XXXX  XXXX XXXX also told her that she could not get the money refunded but told her we would need a subpoena to learn anything additional about the case. I reported it to the XXXX XXXX Police, Report # XXXX, I was told to send a detailed email to include all of the facts and any additional documents or information that I had, which I did send a very detailed email to XXXX XXXX. However, each time I called to check up on the case, I was told that another detective was handling my case and that someone would call me back. I informed them about the subpoena and the last detective I spoke with told me " Well that's what we'll have to do, get a subpoena. Again no one from the PD has EVER called me, and I have not called since early XXXX, because I was so DISGUSTED with the situation and thought there was nothing I could do until searching for something and I found this website.
Consumer complaint received 2021-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

My husband ( XXXX XXXX XXXX and I ( XXXX XXXX XXXX were looking for a bigger vehicle in XX/XX/XXXX. Went to XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) for help. XXXX was the dealer who help us. XXXX XXXX got us in XXXX XXXX XXXX. 
They want {$3000.00} down. We had nothing to put down. They had us set up a payment arrangement and let us leave with the car. Well about 2 weeks or so I told we can not afford the down payment. They told us to bring back the car which we did. I thought was the end of the loan. Well Credit Acceptance started reaching out to collect a payment. 
They said the loan was still active. I explain everything to Credit Acceptance and they said all that was needed was for XXXXXXXX XXXX to confirm the car was there. XXXX XXXX refuse to do so and made a bogus contract that was electronically signed with forged signature from my husband and I. The contract appeared to be sign on XX/XX/XXXX via electronically. If you look into ips address you will find to location of where the bogus signatures came from. We never signed any contracted outside of payment arrangements. We got no paperwork that would have come with vehicle.