davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALLY FINANCIAL INC. (OH)

XXXX XXXX, a collection agency contacted me about a debt I originally owed to Ally Financial in XXXX of XXXX. XXXX stated they were employed by Ally Financial to collect the debt, and they NEVER stated they were actually a collection agency. I had already had in my possession a letter from Ally for the original amount for debt, which was XXXX, XXXX. 
I believed this company, as they stated the amount, and sent a letter with the amount, along with contact information ( which I just recently found out, this information was false ). I have been paying this company {$75.00}, since XXXX of XXXX. XXXX just recently stop sending correspondence in the mail, with the adjusted amount balance, and when I called the company to request to speak with the person who's name has been on all of the letters I have received ( XXXX XXXX XXXX ), the person I spoke with, ( he would not provide his name ) stated the person was not there. I asked to be transferred to her Voicemail, he stated he stated there was no one there by that name. I asked why have I still been receiving correspondences in the mail with her name on it. He hung up the phone. I tried calling again, and a woman answered the phone, when I questioned her, she stated she couldn't transfer me to anyone, she stated she couldn't provide me with any information, and that she was working remotely. I called my Bank to stop payment for this company, and they opened a fraud case. The bank stated XXXX noted in the memo section of the withdrawals they have been receiving since XX/XX/2021, that I gave them permission to withdraw the amount of {$75.00} on the XXXX of every month on behalf of Ally Financial, and that they were paying Ally Financial this amount on the debt. Clearly, this company has violated so many laws, including the CFPB, FDCPA, and personal violations. They have lied, falsified information, collected on a debt that was forgiven ( also, I just received a tax document in the mail from the original creditor, Ally Financial, stating my debt was forgiven ), provided lack of information on collection of debt, did not identify themselves as a collection agency, and they purchased the account from Ally Financial, etc.
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I have a loan with CREDIT ACCEPTANCE CORP. I have always made my payments on time yet there was a 30-days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX  XXXX XXXX with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. You are condoning illegal behavior and the bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX / {$11000.00} / XX/XX/2022
Consumer complaint received 2019-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I went on XXXX and saw a seller selling shoes. I then contacted him to make the purchase. He stated the price of {$150.00} each pair. I wanted 3 pairs which is a total is {$450.00}. I accepted the price and ask how do I pay for them. He then said XXXX XXXX  or XXXX  XXXX. I said I can do XXXX XXXX because I dont have an XXXX. I then sent the money on XX/XX/2019 to user $ XXXX. This was his wife account because his was not working. I then waited for a tracking number because the seller was stating he was giving me a tracking number once the order is shipped. I never recieved a tracking number nor did I recieve the item I was intended. I then contacted XXXX  XXXX for assistance, they told me to contact the bank I use. I filed a dispute with Golden 1 credit union. They replied back with a letter stating they cant issue the refund due to the Visa Rules and Regulations. They told me to contact the third party I used which I did already. I dont know where to go from here if both company 's do towant to help.
Consumer complaint received 2022-04-18
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. (NJ)

On XX/XX/XXXX, I discovered multiple accounts on my credit report that did not belong to me. One of the account name is XXXX, this account was never mine, I do not know how, but the account were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, the results came that they removed all the accounts except XXXX, since then I have been disputing the account, so on XX/XX/XXXX, I checked my updated credit report and I discovered that this account ( XXXX ) was removed, but a month later, the was re-inserted, so, when I pulled my updated credit report I found out that the account came back, on XX/XX/XXXX, I did a complaint on FTC Website about this account, but the account since then has not been remove, I recently update my credit report, and saw that the account still there, and I am now reaching out the CFPB to do a complaint and accelerate the process of fixing this Issue.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (OH)

XXXX XXXX XXXX  placed an account opened XX/XX/21 through identity theft with Credence RM for collection. XXXX reduced my credit score from XXXX to XXXX as a result of the collection action. XXXX & XXXX identified the fraudulent activity and rescinded the collection and closed the account. My credit rating was lowered from XXXX to XXXX and I was denied an auto loan by U.S. Postal Service XXXX XXXX XXXX. XXXX & XXXX failed to exercise ordinary care and protection of my personal information when allowing the fraudulent activity to degrade my credit. The increased interest to obtain an auto loan from the XXXX XXXX XXXX XXXX XXXX will cost me {$2800.00}. XXXX & XXXX should be held liable for the added cost to obtain a loan.
Consumer complaint received 2022-04-18
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. (UT)

I noticed a hard inquire on my credit report on XX/XX/2022, I contacted the company that performed said inquiries and they stated they did it to find out where currently lived. I told them that they did not have my permission to run my credit and they stated they did not need it
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current (IL)

Current unfairly deny fraud claim saying no fraud occurs after I disclose THEE fact that me have a XXXX XXXXysomeone steal all money from THEE account of me. Not fair, not cool. They discriminate like most people because me XXXX American and not smart very but getting very better. People take disadvantage of me and I am tired. Someone steal all money of me from current checking account and current do not help me. I reported a call to the polices and they give to me a number XXXX XXXX. Me calling News station next.
Consumer complaint received 2022-03-20
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. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-04-18
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-18
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XXXX XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 30 days, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the EXPERIAN and XXXX report, I am now, taking the extra step, because I really need these addresses off of my credit report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been on my credit report lately and have seen after many tries to remove inaccuracies from all three agencies i have not been successful. so to me this CONSPIRACY against my credit report must be reported. more that 11-14 discrepancies are reflecting on trans union , XXXX and XXXX all inaccuracies that still hurt me and hinder me from living a productive life daily. In accordance with the fair house credit reporting act these credit reporting agencies have violated my rights under 15 usc 1681 section A section section 602 I have the right the privacy/ 15 usc 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instruction./ 15 usc 1666b a creditor may not treat a late payment on a credit card account on an open end consumer plan as late for any purpose.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (GA)

This account was closed with a XXXXXXXX balance Balance with the original creditor and acceptance rental {$2000.00} original balance XX/XX/2017 now Vance and Huffman is trying to collect {$4400.00} I have been caused much anguish over this situation which I thought was solved years ago I am XXXX and this is affecting me getting housing and other things that could help me I would like for this info to be removed from my credit report and for these people to stop harassing me.I also filed a complaint with the XXXX
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-18
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. (LA)

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

XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (OH)

I received a letter from your company ( MEAD & ASSOCIATES INC ) stating I owe a debt of {$5100.00}. I have never done any business with Mead & Associates INC. This account has already been in dispute with another company with the same claim and was never validated nor verified to be accurate. Please delete this account MEAD & ASSOCIATES INC # XXXX. It is a violation of the HIPPA Act and a violation of FDCPA. 


I keep receiving harassing phone calls from ( MEAD & ASSOCIATES INC ) over an unverified account that I am unfamiliar with I have requested them to no longer contact me at my job or on my personal phone. I am still receiving contact without any form of documentation whatsoever?
Consumer complaint received 2019-06-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriHome Mortgage Company, LLC (CA)

On XX/XX/19 my mom who is living in my 2nd home and making payments directly to amerihome mortgage company submitted a check to the bank to pay the mortgage was inputed incorrectly by the bank teller. The payment to amerihome then bounced due to insufficient funds due to teller error. Amerihome was contacted numerous times ( over 10 to correct the " NSF fee, Late fee and other fees '' ) they would not. We have contacted the bank in which they wrote a letter describing what had happened and that the fees should not be applied to our account. Now battling with Amerihome they will not help us out whatsoever and in the mean time my credit has bee effected by over 140 points in the negitive. I am very upset over this because I take great pride in having stellar credit. I need help.
Consumer complaint received 2022-04-18
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. (NC)

In accordance with the fair credit reporting act XXXX Accounts # XXXX # XXXX # XXXX # XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.