davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit Acceptance Corporation has had my account listed as closed since it was transferred to a collection agency back in XXXX it has since been reopened ( XX/XX/XXXX ) and they have recently reported me 120 days past due which is inaccurate since there has been no activity on the account since XXXX. They are not even the ones housing the account it has been sold to a collection agency so they are reporting this illegally to the Bureau per the Fair Credit Reporting Laws .Every time I call them they have a different excuse / dispute process and wont give me a proper timeline to resolve the issue even though i have been told multiple times that the information would be deleted and updated. It should be updated that it is in Collections not 120 days past due.
Consumer complaint received 2020-06-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AutoNation Enterprises Incorporated (CO)

Filed a dispute against the negitive mark on my credit report by CIG Financial. After the investigation, CIG raised my balance owed by {$1.00}, thus lowering my credit score by roughly 85 points.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account reporting as XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2020-06-18
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. (VA)

1. XXXX XXXX -- I have 2 accounts with XXXX XXXX for leases on 2 XXXX XXXX XXXX cars bought at the same time. Account numbers are almost the same but last 2 numbers ending in XXXX and XXXX. XXXX XXXX started mis applying my payments and putting both payments on the XXXX account in XXXX XXXX. 
2. I would have to return their calls about a missed payment and wait on phone for 30min to 45 min each time and frequently have to call back because they had a rule that if phone conversation took longer than 3 minutes they would drop the call. I did not find this out til XX/XX/XXXX by a customer service representative at XXXX. 
3. XXXX XXXX did not take responsibility til I spoke with a supervisor XX/XX/XXXX who directed me to send in the notarized letter attached. She said they were mis applying payments to the wrong account and she would have this corrected. 
4. I have an attachment of the corrected file from XXXX of the mis applied payments but they made it so my payments were late. They have dings on my credit file for XXXX and XXXX on both vehicles. I have never been late for any payments ever with any company. Feel free to check my credit file. I have called and ask them to fix this several times without any results. 
5. I attached and included my bank statements of check payments and also the on line payments they made me do because they kept calling and harassing me that my payments were late on the XXXX account. They had both of my payments on the XXXX account. 
6. This is not the only problems I had with XXXX XXXX. I almost did not get to move from XXXX to XXXX because XXXX would not give me the paperwork to transport my vehicles to XXXX. They would be nice on the phone and say they were sending but they would never send. It took me 6 months to get the transfer paperwork for the dock. 
So many phone calls and so much of my time. 
7. Once I was in XXXX XXXX XXXX then claimed they did not approve to send my vehicles to XXXX  and would not release the information to the DMV for me to register my cars. So many phone calls and so much of my time. I now have the paperwork and my cars are registered. 
8. It has been a nightmare working with this company. It seems like it is costumer support issue and mis management of policies from the top. The company has a process in place to make you get completely exhausted calling and waiting to ask the same questions. 
9. I can not get a home loan because of these XXXX and XXXX dings on my credit for this lease. These are the only things wrong on my file and the mortgage company is saying to fix this and they will give me my home loan. 
10. I hope by reporting XXXX XXXX does not make my problems worse because this seems to be their process. If you call and complain about anything, they just make your issues worse. My guess would be that the nice people on the phone are hiding their mistakes because the upper management are firing staff.
Consumer complaint received 2020-06-18
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-05-29
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. (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 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical-Commercial Audit Inc (MO)

There is inaccurate information reporting on my credit report.Account number XXXX, This inaccurate medical account was paid to the original data furnisher XXXX XXXX and should not have never been put on my credit report. I would like for the whole account to be deleted immediately. It's not reporting 100 % accurately. It doesn't even have the name of the data furnisher, nor any other identifying information.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

There is inaccurate information reporting on my credit report.Account number XXXX, This inaccurate medical account was paid to the original data furnisher XXXX XXXX and should not have never been put on my credit report. I would like for the whole account to be deleted immediately. It's not reporting 100 % accurately. It doesn't even have the name of the data furnisher, nor any other identifying information.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Blocks members from Reporting ID Theft CONSUMERS HELD LIABLE FOR FRAUD. 100 % liability remains on consumers accounts. USAA policy requires verification to reach IDTheft Department or any department requiring a profile recovery. Consumers are block from protecting themseves against ID Theft. I TRIED ON LINE USAA IS NOT ADA COMPLIANT FOR MY XXXX  XXXX & AFTER VERIFYING ME FOR 37 YEARS ( ** SUDDENLY I AM UNABLE TO GET VERIFIED when phoning ) see ID Theft case XXXX dated XX/XX/XXXX Reported to FTC & UNABLE TO RESOLVE ID THEFT ON LINE OR BY PHONE to usaa. ( This is usaa 's 100 Liability Policy to protect usaa making it UNAVAILABLE TO CONSUMERS. ) I am held accountable for an account usaa created id theft USAA DID NOT CLOSE ACCOUNTMC END XXXX XX/XX/XXXX 1099-C CANCELATION OF DEBT & USED MY PRIVATE DATA from this account TO OPEN TWO FRAUDULENT ACCOUNTS MC END XXXX & VISA END XXXX ( 2 ) ACCOUNTS OPENED SAME DATE XX/XX/XXXX ** I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY MORE ACCOUNTS AFTER XXXX. NOW USAA WILL NOT ALLOW ME TO REACH ID THEFT DEPARTMENT FOR RESOLVE. usaa REVERSED {$3000.00} CREDITS THAT WERE MERCHANTS CREDITS XX/XX/XXXX USAA HAS PROVIDED NO PERMANET FRAUD CREDITS FROM XX/XX/XXXX FRAUD ( * NO ORIGINAL SIGNATURE OF APPLICATION & DRS LICENSE USED TO OPEN ACCOUNT IN VIOLATION OF FEDERAL LAW ) They ask me for to verify ** my drs license for ACCOUNT NOT MINE I DID NOT OPEN. I HAVE ASKED FOR YEARS USAA PROVIDE ME WITH DRS LICENSE THAT OPENED THESE ACCOUNTS TO NO AVAIL. USAA ASKS FOR MINE. Kindly Note usaa making restitution to XXXX, XXXX other members & fined XXXX XXXX DOES NOT STOP usaa from frauding consumers.
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

During the week of XX/XX/2024, I was contacted about a housing opportunity. I paid a deposit on XX/XX/XXXX, sending XXXXXXXX XXXX to the account associated with the supposed housing provider. I was already concerned about the opportunity being fraudulent, but the Wise web portal assured me the money had not been transferred yet and so would be retrievable. I would otherwise have cancelled the transfer much earlier. On Sunday, XX/XX/XXXX, I cancelled the transaction with Wise, confident that the money had not been sent and I would be refunded. Their portal said as much. I have now, on XX/XX/XXXX, recieved an email from wise implying that they will not send a refund.
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. (WA)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

I have a loan with AM HONDA FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and AM HONDA FIN with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 and 60 days late.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Source Receivables Management LLC (FL)

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE INACCURATE XXXX COLLECTIONS OPENED WITHOUT MY KNOWLEDGE. 

XXXX SOURCE RECEIVABLES MNGMN WAS OPENED BY XXXX AND SHALL DELETE FROM MY CREDIT REPORT. ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$8200.00} IS INACCURATE XXXX COLLECTION. 

XXXX SOURCE RECEIVALES MNGMN WAS OPENED BY XXXX AND SHALL DELETE FROM MY CREDIT ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$7800.00} IS XXXX COLLECTION. DELETE THOSE XXXX COLLECTIONS ACCOUNT FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2020-08-12
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)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Tesla, Inc. (CA)

We had to take Solar City/ Tesla to Small Claims Court in XXXX County , Ca on XX/XX/19, as their Solar System wasn't producing the power per the original contract. We won the case and XXXX County Superior Court Department XXXX, cancelled the contract with Tesla/Solar City. Judge asked Tesla to pay us {$4100.00} in Damages or remove the panels/fix the roof. Tesla chose to pay us {$4100.00}. We thought everything was over. Tesla continues to harrrass us by not removing the fixture lien from our title and they added another fixture lien in XXXX. Tesla is retaliating aganist our family for us taking them to Court. We can't even refinance our house at this time due to these fixture liens. Very unfair and unethical..
Consumer complaint received 2020-08-12
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)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2020-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (CA)

Since XXXX of XXXX I have been contacted multiple times via telephone by a debt collecting agency, Americollect. They have been contacting me about an outstanding radiology bill in the amount of {$1800.00} from XXXX XXXX. That bill was generated from a hospital stay at XXXX XXXX XXXX XXXX in the state of Florida from XX/XX/XXXX-XX/XX/XXXX.The information Americollect had was my first name, maiden name, and my date of birth. My maiden name has not been my legal name in 12 years nor have I used my maiden name in the past 12 years.The address they have on file for me is not my address nor will you find any record of me residing at or near that address. I have never traveled to the state of Florida or have ever been hospitalized and needing radiology services. I have told several Americollect customer service reps including a supervisor that they have the wrong person and this is not my debt. They kept wanting me to give them my social security number to look into the matter further and I declined. I have not heard from Americollect in almost 1 year so I thought that this matter was taken care of and they moved on with their hunt.. On XX/XX/XXXX when I was doing financial business I was made aware that Americollect had entered 7 counts of unpaid debt to my credit report. Americollect has no proof that this debt is mine and did not have the right to make negative marks on my clean credit report.This has caused defamation to my name and a financial hardship. I have a police report and several personal documents confirming I was not in Florida or hurt in a hospital getting radiology services on the dates listed above.
Consumer complaint received 2020-06-18
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. (LA)

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX never late XXXX   XXXX never late XXXX  XXXX not mine XXXX 08 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$300.00} not mine 08 XXXX XXXX XXXXXXXX XXXX XXXX   XXXX {$450.00} not mine 10 XXXX XXXX XXXX XXXX {$0.00} not mine 12 XXXX XXXX XXXX XXXX {$4700.00} not mine 12 XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX XXXX {$1500.00} not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CURO Intermediate Holdings (CA)

Hi I recently got a text from a number XXXX said I got approve for a loan they asked for my XXXX and password to verify Nd they put XXXX to my account said I Had to send it back through XXXX to XXXX XXXX number XXXX XXXX and now my account been locked I know its a scam
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX  XXXX XXXX  XXXX never late XXXX XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX XXXX XXXX {$640.00} not mine XXXX XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$4700.00} not mine XXXX  XXXX XXXX XXXX {$300.00} not mine XXXX   XXXX XXXX XXXX {$450.00} not mine XXXX XXXX   XXXX {$1400.00} not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-08-12
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: Navient Solutions, LLC. (PA)

I have a loan with XXXX XXXX XXXX XXXX, NAVIENT, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, NAVIENT, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-13
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX