davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
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. (AR)

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. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$270.00} XXXX  XXXX  XXXX {$560.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$3400.00} XXXX  XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX  XXXX {$8000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$1300.00} US DEP ED XXXX {$2000.00} XXXX XXXX  XXXX {$110.00} USDOE/XXXX  XXXX {$1400.00} XXXX  XXXX {$93.00} XXXX  XXXX  XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX  XXXX {$3500.00}
Consumer complaint received 2020-08-09
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: Westlake Services, LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

Hello, Chase does not have information on their website when promotional interest rate are going to end.They make you believe they do by having a link to it, but when you click you entered to a non-ending loop. I called and spoke with a representative and asked him to guide me through their website to see when my promotional ( money transfer to pay off another credit card ) was ending to avoid the payment of the high interest rate, and he said that information was not available on their website.Consumers should have the power and right to see this information on their website as well as you are able to see minimum payment due, balance, payment history, etc. I think is very wrong they don't put these information on their website, so people forget the due date of promotional items and end paying a high interest rate.The Bank is Chase Marriot XXXX, please do something about it. 

Thank you.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my extreme frustration and disappointment with the inaccurate information reported on my credit report. A recent investigation into my credit history revealed several discrepancies that have caused me significant distress and frustration.

Upon reviewing my credit report, I discovered multiple items that are unverifiable, invalidated, inaccurate, and questionable. It is unacceptable that your agency failed to ensure the accuracy of these items before reporting them.

According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

I demand that immediate action be taken to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence regarding this matter for your reference.

I expect a prompt response and resolution to this matter. Failure to address these concerns will result in further action being taken.
Consumer complaint received 2020-06-17
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. (OH)

I refinance in XXXX with XXXX XXXX XXXX XXXX and was told I didn't need to make a Payment till XXXX and than they reported me late for XXXX and XX/XX/XXXX I started my journey with XXXX XXXX in XX/XX/XXXX finished paying the down payment in XX/XX/XXXX. In XXXX I called to make my payment and was told that if I paid the refinance application processing fee and any back overage fees they could move my payments to the end and I wouldn't have to make a payment till XXXX. I did this and the next day my credit report popped with 30 day late payment for XXXX and then in XXXX it popped a 60 day. I called XXXX XXXX  and was told I wasn't late and that the supervisor would send me a letter stating this. If I had known I would have been hit with late payments I would have insisted on making a payment as well. It's now XXXX I've called atleast 3 times between XXXX and now and was told the same thing. In XX/XX/XXXX I disputed the late payments but it came back as verified. I received the file below stating the account was in good standing.
Consumer complaint received 2022-09-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: K STREET FINANCE, INC. (CA)

Mullen Finance is not correct. They are stating that my car was repossessed and it was not. I was not behind on payments. My car was impounded because of parking violations and was impounded during covid. I was working on coming up with the {$2600.00} to get my car out of impound and Mullen Finance picked up my car from the impound lot. The only choice that they gave me was to fully pay off the car as well as all impound charges. I did not have or could come up with {$11000.00} at this time, during covid when I was not even working. They were not willing to work with me at all eventhough I had always paid my car payment on time and had never caused them any issues. 
Since this happened, Mullen Finance has continued to do hard credit checks without my permission, docking my credit even more. 
Its like this is a sick game to them to ruin my credit and its worked. This repo on my record is causing major problems in my life, causing me to not be able to get a car and effecting my credit in a major way.
Consumer complaint received 2022-09-16
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

I saw on my report a collection for {$1100.00} from XXXX XXXX placed by Penn Credit Corporation with an original creditor of XXXX. I disputed it and it said it was verified. I never had a utility account with XXXX. I called Penn Credit and the lady was helpful and transferred me to the voicemail of a specialist who has never reached out to me in over 3 weeks. The representative told me that she couldnt discuss the account with me because although it is under my social, my name is different from the name they have on file for the collection. I even offered to settle it to get it off of my report but because I dont know what name its under she told me I couldnt pay it and she cant help me. Im writing to you asking for your help. Thank you.
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent TransUnion proof that these accounts do not belong to me. After I have sent everything that they requested and I have proved that this account is not mine, they continue to report this information. The first response was some computer generated response as if they did not read what I was sending or looked at the information. TransUnion these accounts are NOT MINE.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NY)

Dear CFPB : I would like to thank your office for the swift response to my initial inquiry concerning the XXXX major credit bureaus and their validation methods. I would firstly like to thank this agencies fight for consumer financial protection, and credit accountability. 

I contacted XXXX, XXXX, and EXP. via phone and certified mail requesting the removal of a fraudulent Tax Liens, incurred by my ex-husband he filed taxes under my name as a married couple long after we had been divorced. 
The XXXX granted me INNOCENT SPOUSE RELIEF, SEPRERATION OF LIABILITYI sent the attached docs. To each bureau and gave them the 30 days allotted by the FCRA and FDCPA it has been over 60 days and they have not responded, which is a violation of my civil rights.
Consumer complaint received 2022-10-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PRIMARY RESIDENTIAL MORTGAGE (NY)

THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR.
Consumer complaint received 2020-08-09
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: Experian Information Solutions Inc. (MO)

The following account is not mines nor am I accountable in any kind of way for this, this is un known to me and not my responsibility please remove it. 

1 ) XXXX XXXX XXXX
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IA)

I wanted to place a credit freeze on my SSN through equifax. I made an account but on these website when you click to place a freeze it says unable and to contact customer service. I called the number on the website. I went through the automated service and answered all the questions including the a code sent to my phone and the automated service said they couldn't authenticate me. I spoke with an agent on the number provided at the website, the agent wanted me to mail in a copy of my SSN and drivers licence to a PO box . The PO Box the agent provided was not the same PO Box on the website, when i told this to the agent she said ignore the website as it has on going errors. Furthermore the fax number provided by the agent was not the fame fax number on the website. I told the agent this and she said to ignore the website. When i asked for a local equifax office in Iowa they said they could not provide it due to security and privacy concerns. 
The other two reporting agency 's - XXXX, and XXXX  made it very easy to place the credit freeze. I made an account and there website worked great. 
I have concerns about the equifax website and its complaince the the FTC in allowing consumers to place a credit freeze. Which i am unable to do with them. Because of the conflicting information on their website and that provided by there customer service i feel this needs to be explored. 
thank you
Consumer complaint received 2020-08-09
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. (MO)

The following account is not mines nor am I accountable in any kind of way for this, this is un known to me and not my responsibility please remove it. 

1 ) XXXX XXXX XXXX
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have sent Equifax several disputes about a collection account ( {$7800.00} ) being reported on my credit report. Their company has failed to notate on the comments section of the account that it has been disputed which is required under the FCRA. I also sent them a dispute about this account certified mail on XX/XX/2020 and i believe they did not do a proper investigation. Equifax sent me a verification of account letter within days of receiving my dispute letter and didn't provide the evidence i requested in my dispute letter. Their company has broken several FCRA laws and still to this day have not notated on my credit report that this account was disputed. I have all the evidence back up my complaint and i want them to remove this account from my report immediately.
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2023 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by 4 companies whose name follows : XXXX XXXX, Capital One Auto, XXXX, & XXXX XXXX XXXX. I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

Chrysler Capital is still showing up as an open account for a lease that was closed in XXXX. It was a 39 month lease that began in XXXX of XXXX, which was subsequently closed in XXXX through an early trade-in to XXXX XXXX XXXX. The balance is paid in full, but it still shows up on my credit report. I need this information corrected before I apply for a mortgage loan.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-17
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: EQUIFAX, INC. (TX)

On XX/XX/2020, XX/XX/2020 and XX/XX/2020 inquires were made on my credit by companies that I do not recognize.
Consumer complaint received 2020-01-08
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXXXXXX XXXX XXXX  on my XXXX  report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX  about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX   and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my XXXX  inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. XXXX The remainder of these inquires are mine. 

TRANSUNION : This bureau was contacted as well about the inquires and was told verified XXXXXXXX XXXX   XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report XXXX : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX XXXX : I've contacted XXXX XXXX in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

AD Astra Recovery Serviceshas reported a collection account to my credit file with the credit bureaus.AD Astra Recovery Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attemptingto collect and report this debt to the credit bureausis a violation of the FDCPA. Thisdebt is not valid thus AD Astra has no legal right to report this to my credit and attempt to collect a debt.I never authorized any debt in the amount that AD Astra is reporting. By reporting a debt to my credit Ad Astra Recovery is in violation of the FCRA
Consumer complaint received 2020-08-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX is listed on my credit report with XXXX. Inquiry from  XX/XX/2020. I did not authorize this inquiry. I called XXXXXXXX XXXX XXXXXXXX and was informed they had no information on me to file a dispute. I tried filing a dispute with transunion however it would not go through. and noone answers the phone.
Consumer complaint received 2020-06-17
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-17
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc. ()

The amount child support enforcement of Kansas is asking for is not valid. I have had a payment made by the state of XXXX for obtaining my GED. I also was not the one that asked for this money or received it at anytime and my children never received the money either. The person that received the benefits did not use it toward my children.