davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Farrell Holdings, LLC (TX)

I submitted a complaint stating XXXX did not properly investigate and validate the balances for this vehicle. I received information from PAC that reflected different amounts from what what listed on my credit report. I supplied that information to XXXX and there was no change after 2 disputes with the most recent being made on XX/XX/24. I received the dispute results on XX/XX/24 reflecting the account remains and nothing was updated. After filing a dispute with XXXX and supplying the information, the account was deleted from my XXXX report. XXXX either did not do an investigation or refused to look at the documentation that was provided to reflect the balances are totally different.
Consumer complaint received 2021-01-04
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)

These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely
Consumer complaint received 2022-09-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (NY)

It was in XXXX of 2015, the amount was {$10000.00}. I was asked by a person if I could be a co signer, I didnt know much about any of that yet but i said Ill go in with them to see, I gave them all my information but at the end they said I couldnt co sign because I didnt have an ID. The person was still able to get the car but I just figured they were able to get it without me. Years later i as learn more about credit I see I have an auto loan from credit acceptance from XXXX of 2015 for amount listed above I contacted credit acceptance and told them I shouldnt be held accountable for the remaining balance of {$7800.00} because I was told without an ID to confirm who I am XXXX XXXX ( car company ) said I couldnt co sign but not only that I was suppose to co sign but they put the ENTIRE thing in my name. So Im in charge I didnt even have a XXXX ID so it shouldnt have went through
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX 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 15 U.S.C 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 2023-03-26
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. (IL)

Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX Acct. No. XXXX. Because the past due balance reported by Transunion, XXXX and XXXX are different, which means the account has not been properly verified legally.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (FL)

i HAVE FILED A IDENTITY THEFT REPORT WITH THE TRADE COMMISSION HOWEVER I CAN NOT GET THE BUREAUS TO REMOVE THE INQUIRIES THAT I DID NOT MAKE
Consumer complaint received 2021-01-04
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: SYNCHRONY FINANCIAL (OR)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit reports. 
On XX/XX/XXXX, SYNCB add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (TN)

Please be advised, Ive sent numerous Communication to credit management in reference to a debt that I do not owe. this account is fraudulent and does not belong to me please see attached FTC report. I have never done business or enter into a signed contract with credit management lp Account number XXXX {$810.00}
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On XX/XX/2021, I awoke to a text from my bank. This is not unusual because I receive a text every morning with my balance. However, I should have had {$1200.00} in my checking account, and the text told me that I only had {$39.00}. Immediately I opened my banking app and saw that there was a {$1200.00} " Pay Friend Transfer '' to someone named XXXX XXXX I do not know anyone by this name, and I did not authorize any transfer of money to this person. 
Immediately, I called the customer service number to speak to someone, and I also froze my debit card, just in case the person tried using my numbers to purchase anything else. 
I spoke to someone who transferred me to the disputes department. There, I was told that I would need to fill out a form. No advice was given on whether or not I should close my account and open a new one, or how quickly I could expect to get the money returned. All that was said was, " fill out this form. '' Nothing could be answered about when I could expect to hear from someone regarding this incident ... just, " fill out a form. '' And now it has been FOUR DAYS and I haven't heard one word. Not one word. My money just disappeared and I am left with nothing for FOUR DAYS. Even now, I am sitting here typing this letter while on hold, just trying to talk to someone at the bank about this. I have been transferred 3 different times, and have been on hold a total of 1 hour and 15 minutes. 
I am a single mother with XXXX children who works XXXX XXXX XXXX XXXX XXXX XXXX. I am literally left with no access to funds and no one seeming to care or want to help. I'm tired of " filling out forms. '' I did nothing wrong. I was the victim of a theft, and I need my money. My rent was due on the XXXX, and I have had a transaction go through and now my account is in the negative. 
I just need someone to help me. {$1200.00} is such a large amount to me, I can not tell you how devastating this has been to me and my family.
Consumer complaint received 2023-07-25
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: 2288984 Ontario Inc. (MI)

On XX/XX/2023, I applied for a online loan with a company called Money Key, they called me and said that I was approved for {$5000.00} and then they asked me how much do I want to borrowed, then I said {$3000.00} and then they told me that they have to put insurance on they money in which they said it would be {$900.00} that they will send me and that I would have to send the money back to them. So they told me to go to XXXX and get a pre paid card and load the money on the card, .so I did and I had trouble getting the money out of my checking account, so they told me to go to a ATM machine to draw the money out of my account, out of the {$900.00} that they said they sent to me, I only could get {$300.00} out of my account And my checking account is overdrawn {$560.00}. Now Im behind for my XXXX and my XXXX on bills, Im not going to have money too pay for my Rent.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

On XX/XX/XXXX, MOHELA, my student loan servicer, sent me a message indicating my annual recertification was coming up. It did not include any actual deadlines or other key details. 

On XX/XX/XXXX, I sent MOHELA a message that there was message was not clear and, moreover, per Federal guidance at https : //studentaid.govXXXX 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, they are not permitted to ask me to re-certify before XX/XX/XXXX. I asked them to push out my recertification to next year as provided in the guidance : " If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' They have not responded at all as of XX/XX/XXXX and my payment now shows around a $ XXXX payment instead of the prior ~ {$300.00} payment. The payment is coming up on XX/XX/XXXX, so this is getting more urgent. 

I really appreciate your help. I am just trying to get this servicer to follow the rules the government requires. Please note I also submitted a complaint at Federal Student Aid. Thank you.
Consumer complaint received 2023-03-25
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. (AZ)

I sent the credit bureaus a letter letting them know that there was an account reporting on my credit that is not mine. I was contacted by another company and now it is reporting under another name on my report. I never opened up any loan with this company and have asked the credit bureaus to provide any evidence whether signatures or anything. 


XXXX XXXX XXXX ( Original Creditor : : XXXX XXXX XXXX XXXX ) Account Number : XXXX Unverified account They has not responded to my second letters sent to them in over 5 Months. They have not provided any of the information I requested. This is inaccurate information that needs to be removed immediately.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report.. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2023-07-25
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)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (FL)

I have disputed this account with MONTEREY FINANCIAL SERVICES. They have been reporting the same account twice for almost 3 years! thats a violation of the FDCPA & FCRA. In previous statements they sent letter saying they would be removed from my credit reports. I even sent in the letters. Well this past week they were deleted and re-added back and dropped my core even further making it look like it was a brand new collection. also they are reporting me delinquent monthly and continued to charge me interest on an account that was a charge off/closed 3 years ago. They are trying to be sneaky and purposely holding my credit XXXX and wont let my credit improve. We are going through a pandemic and financial crisis with this COVID-19. I hope they know they are doing alot of illegal stuff! This is their last chance to remove this from my credit reports before I seek legal action. The reviews on the CFPB and XXXX  websites speaks to how awful and how they mistreated consumers.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (DE)

We were given a {$50.00} gift card ( One Vanilla-prepaid mastercard ) for our wedding in XX/XX/XXXX. We tried to used it in XX/XX/XXXX but the balance was {$0.00} cents. We called the gift card company and they told us that two purchases were made in XXXX. We never used the card so we submitted a claim for the company to investigate. In XX/XX/XXXX we were notified that the claim was closed because they didnt find any discrepancies and told us that there was nothing else they could do. They could not inform us who made the purchases and the gift card is not longer valid.
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

XX/XX/2021 : Tried to call in a payment on my discover card but their automated system refused to acknowledge me responding " MAKE A PAYMENT '' despite the fact that my discover card statement clearly states, " For a faster, easier way to pay ... [ phone symbol ] XXXX '' The first time I called, their representative hung up on me and that was 14 minutes wasted. The second time I called it took me 18 minutes for the representative to accept my payment and he would ONLY accept it as a " third-party. '' I made a {$9400.00} payment last month and I am trying so hard to give them more money this month but they want you to jump through a million hoops like a dog. 
I gave them my name, address, phone number, social security number and last four digits of my account number. 
They REFUSED to explain why their automated system will not begin the by-phone payment process when you are clearly stating " MAKE A PAYMENT. '' Their automated system has been an ongoing problem for over a year. 
PLEASE help stop their excessively oppressive and laborious and tyrannical mistreatment of customers who are trying to give them money. Thank you for any help with this awful company.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 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 2023-07-17
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. (FL)

I'm writing to your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and yet you reinserted them without notifying me 5 business days after and certifying that these items were validated properly. I demand you to delete these items from my credit file or I will seek litigation.
Consumer complaint received 2020-11-11
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. (TX)

DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX  {$0.00} Closed 2 late payments DEPTEDXXXX  {$0.00} Closed 2 late payments DEPTEDNELNET {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed XXXX late payments all not mine and filed ftc dress XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address not mine XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/2020 StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Status UpdatedXX/XX/2020