davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-05
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: New Century Auto Sales, Inc. (MI)

On XX/XX/2020. I needed to purchase another vehicle. I was referred to Right Way Auto in XXXX Michigan. 

I signed a form to have a credit check done. When I went to get financing, within 5 minutes 10 hard pull inquiries were put on my credit report. 

I contacted the manager on duty a few days later and was told by him, " My finance manager was looking for the best deal ''. A good finance manager would have known what each of the 10 finance companies he worked with and what they required. 

I called Rightway and they told me there is no way to remove the inquires. Now my score has dropped 12 points.
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.
Consumer complaint received 2022-03-28
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. (IL)

on XXXX2022 i sent a letter regarding inaccurate and unknown things om my credit report to this day over 60 days later i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes, Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into hands of the wrong person
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I called Portfolio Recovery to pay delinquent balances. They referred me to XXXX XXXX XXXX XXXX and stated they were in charge of the accounts. when I called XXXX XXXX XXXX they stated that since I was XXXX XXXX they could not accept payment and were closing my account and sending it back to Portfolio Recovery. I called PR again and was transferred multiple times until I reached the Vice President of Litigation who claimed that they did not have the authority to speak to myself or XXXX XXXX my accredited Financial Counselor about my two accounts and that they were also refusing payment. I Told them that if both companies were refusing payment than I had no choice but to consider my account paid in full.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The disputed account is XXXX , XXXX. XXXX ACCT. NO.XXXX.A default judgment is appearing as a collection account on XXXX, XXXX AND EQUIFAX.It is appearing as a collection perhaps to avoid properly displaying as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted in recent years.In addition, the DATE OF 1ST DELINQUENCY has been re-aged, another FCRA clear violation.The DOFD coincides with the date of judgment entered ( attached court record ) which is impossible considering the nature of the debt, ie : back rent.The delinquency of the debt was many months prior to the stated DOFD.All 3 bureaus, following numerous disputes permit a false, re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT creating a loophole for the ACCURACY AND COMPLETENESS of reporting demanded by the FCRA
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to demand the immediate removal of fraudulent accounts from my credit report. It has come to my attention that there are unauthorized accounts listed under my name, which I believe are the result of fraudulent activity. BANK XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX OF XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX, FIRST PREMIE XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2019-07-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/19 I received a text from a company named XXXX XXXX. XXXX from Georgia. We had hired this firm to watch any scams that may effect our computer system about ten months before the actual scam took place. They said they were going out of business and wanted to give us back {$400.00}. dollars but I needed to be at my computer so they could put it in my account. I was at my computer when a man named XXXX called me from phone number ( XXXX ) XXXX. I was unable to use my mouse and he controlled my computer right away. He had a white piece of paper on my screen called notepad. He asked me to type in XXXX I was unable to do it. He typed in {$4000.00}. and said that was wrong. He tabbed down and typed in {$40000.00}. and told me that I was stealing their money? I was then told that I had to go to my bank, Wells Fargo and send a wire transfer to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX. Account number XXXX. Accout type : Savings. I was told to send {$39000.00}. as an International wire transfer to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. If I said anything to the bank that I was being threatened they would take all of my money from my account which at the time was {$65000.00}. I did as I was told thinking that they would leave my money alone. The lady at the bank, XXXX XXXX XXXX asked me if this was a good transfer. I was afraid to say anything as I was being threatened. She thought it may be a scam and put a hold on the balance of my money left in my account. I feel that the bank could have done more for me and flagged the transfer somehow so they could make sure it was not a scam. Wells Fargo has closed this issue and told me that I would not be able to get any of my money back. I am XXXX years old and have never been threatened before. I would appreciate your help in perhaps getting my money back as it should be insured. Thank you.
Consumer complaint received 2021-08-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I paid mY Macys account in full XX/XX/2019 I also made my monthly payment before I paid it in full XX/XX/XXXX. I paid XXXX my account credit limit was 1,000 they decrease my limit to 300. Its paid in full and they still have not reported it to the 3 bureaus o called and they told me another department handles that and I could t speak to them. This is clear sabatoge decrease my limit then I pay them in ful they dont report it. Shows I have used 96 %. Of my credit to keep my score compromised. I want it report as paid in full on all 3 reports
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Credit Bureaus stated my account was properly investigated, but how is that possible if the Last Date Verified is inaccurate, the Date of Last Activity is inaccurate, the date Opened reported is inaccurate, the Account Status is reported inaccurate, and Creditor Remarks is reported inaccurate. This is grounds for removal in addition to violating my rights : 15 U.S.C. 1681 Section 602 A, States I have a 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 instruction.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Flagstar Bank, N.A. (MD)

I do have had a medical problem. Ive got a XXXX and not able to work. I have asked bank of Flagstar ( its mymortgage bank ). They did guide me by writing letter to say that in order to eligible for the hardship program you must NO PAID the mortgage atleast 60 days! so, you are not eligible for the program because you still pay it on time!!! I have followed the guide from the bank that holding money in the bank and not paid mortgage with hopefully that my application of hardship program is considered for approval. Unfortunately, the bank has cheated on me about that. I have complained about this and keeping paid mortgage on time. Until now I always paid it on time ( for over 10 year ). I officially request and say hat the flagstar bank has made this mistake happens! By letting customer misunderstood about the program and get the bad credit score ; so, they have got responsibility to correct my credit score. It is not my fault. I have kept payment for my mortgage on time always, I believe. Please, help me out from the trap of the flagstar bank. I do appreciate your help and thank you very much.
Consumer complaint received 2019-07-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (TX)

This is based in Arizona XXXX XXXX XXXX via XXXX XXXX is in NJ stated that they need me to sign documents to help with credit score which signed electronically before the site started changing and asking what country am I which no lender would ask the number I called but when then they other document that request my Bank Statements, W2, Drivers License, Name of My Last Employers, IRS Statements , My Social Security basically everything they need to become me and buy an open line of credit or sell my information on the black web. I was then told that I would be speaking to XXXX via XXXX AZ rep which felt like a bit and switch. He did not inform that he would be send a request for all my information by just got back to back emails I have been a victim of fraud and ID theft before which told him so I did not send anything. I credit score drop with their inquiries and attempt they have an office based in XXXX he should have directed me to their rep They gain my signature under fraudulent means This Compnay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I went to XXXX XXXX located in XXXX, Illinois and I was applying for an auto loan and I was informed that my credit wouldnt be ran more than once but to my knowledge after reviewing my credit reports there were two inquiries listed on my credit report that I didnt recognize nor gave authorization to check my credit report. The inquiries l that i was not aware of is listed below. 

XXXX. ) XXXX XXXX XXXX. ) XXXX  XXXX
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I have been XXXX. I was unaware my account was overdrawn because I was hospitalized due to XXXX. While in the hospital my account accrued nearly XXXX dollars in over draft fees and a credit from a dispute for a room I never even should have been charged for was also reversed. 

I was not able to even understand what was going on around me while XXXX. I told them this and the fact I been not working and they offered to take the balance down by XXXX dollars only. Really? This is insane also two atm fees XXXX and the other for XXXX was charged when my account was long in the negative there is no way that the atm transactions went through I have a list of these fees this heartless bank is trying to take from me but I am not able to pay XXXX dollars. If I knew my account was overdrafted I would have paid but I was hospitalized and unaware. What do they want me to do? This is terrible greed of a bank. Going after one who has little. It's sad. I attached all the fees gathered while I lied in a hospital bed.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

I received a letter from ERC with regard to ( 1 ) collection for XXXX XXXX XXXX. I reached out to ERC asking what I needed to do to dispute this item. This account did not belong to me ; and the proper documentation was sent into XXXX. Its was removed from my credit file in XX/XX/2017. I am not clear as to why XXXX is still attempting collection activity. The previous collection agency was XXXX XXXX. What do I need to do to get this resolved. I do not want this on my credit report. I have attached the fraud form that was filled out ; police report and previous explanation to XXXX.
Consumer complaint received 2022-08-28
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)

On XX/XX/2022 I sent to Equifax a dispute outlining my proof that an account that was deemed to be late was in fact a billing error on behalf of the original creditor. I have on several occasions disputed this extremely incorrect and erroneous information each time providing laws as well as forms of proof as to why this has to be a mistake on behalf of the company. I would just like my report to reflect my true credit worthiness and be given my fair credit rating I deserve. 
Previously I placed a dispute about Equifax reporting misleading and false information in regards to an account by the name of XXXX XXXXXXXX XXXX and a billing error that occurred with my account. I sent to Equifax sufficient proof that the error was on behalf of the company by providing Equifax with a letter from the company with the company 's official letter head stamped on it. stating they made a mistake in billing and were able to correct it. The problem since have still not been fixed and the company is now acting as though this was never stated. The problem I am having now is having the account updated to show its correct status of never late or always paid as agreed. I have been dealing with this situation for sometime now and am getting to the point where I feel as though I will have to seek litigation. Please uphold your duty as the regulator to these Credit Bureaus that are exploiting the system and over-running those of us that are truly credit worthy and abusing there power to due injustice to honest people. I have provided with this complaint attachments of the dispute sent to the company on XX/XX/2022 this included my I.D., dispute letter, letter from the original creditor admitting to the error and stating that they were going to update my report, and lastly my social security card. Equifax was also past the lawfully allotted time allowed to respond further adding to their long list of violations. I have yet to get a response mailed to my house or any type of proof the late payment occurred and was actually factual thereby being grounds to update to show the true status.
Consumer complaint received 2021-04-13
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. (NY)

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my XXXX letter report that I filed as well for Identity theft. Please see all attachments.
Consumer complaint received 2021-08-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I just filed a complaint with equifax and they said they need 60 more days to research but they said completed their research. They received the letter XX/XX/21 that is over the 30 day day period. Per the fair credit reporting agency the research should not take more than 30 days. There research should be done. They are stalling. They are not properly researching they are keeping items on my credit report without proper research. The research should be completed in 60 days because of COVID. They should not get an additional 60 days. I asked them to provide the information of where they got the information per the fair credit reporting act and they never send it they have no regard for the statue. They have bankruptcy on my report they said they got from XXXX but it is not on XXXX  report. 

They keep saying they get their public records from XXXX and the bankruptcy they have on my report is not on XXXX consumer report. I attached my XXXX report from XX/XX/21 and XX/XX/21 to show it is not on my report. They are breaking fair credit reporting act. They should not get 60 mores days which means they will have 120 days of research time. They are stalling while continuing to negativity affect my credit report. They should only gave one more week which makes the tome 60days. I attached letters and reports.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the XXXX asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX BANK Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (NY)

I received a {$50.00} Vanilla VISA gift card last XX/XX/XXXX. I made sure the balance was there and put the card in my wallet. However, when I tried to use it on XX/XX/2019 it got rejected. I called customer service number at XXXX, logged a case number XXXX and then emailed pictures of the card and my ID as they requested. Today, I called them asking for an update but they asked for receipt. This is a gift card means I received it as a gift. They then claimed the card was never activated. A lie after another.
Consumer complaint received 2022-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

XXXX XXXX XXXX from the finance department of XXXX XXXX Toyota told me in an email on XX/XX/XXXX at XXXX XXXX  that canceling the GAP and service contract " would not lower my payment. '' After asking XXXX XXXX on XX/XX/XXXX at XXXX XXXX  by email for a cancellation, again on XX/XX/XXXX at XXXX XXXX   by email, writing the Dealership 's General Manager on XX/XX/XXXX, waiting 8 weeks and then asking again on XX/XX/XXXX at XXXX XXXX  ; the GAP and service contract amounts were refunded to Toyota Financial Services on XX/XX/XXXX. My online statement showed that my payment would be lower to {$190.00} on XX/XX/XXXX, but I have still been paying the full amount based on the information that XXXX XXXX XXXX from XXXX XXXX XXXX supplied. If XXXX XXXX is an authorized representative of Toyota Financial Services to advise customers of the amount of their loan payments, he is suppling confusing information, has an undisclosed financial conflict of interest and is acting beyond the scope of his role at the XXXX dealership. He could be motivated to do this as he financially benefits from the commissions on the GAP and service contracts. When he advised me to not cancel the GAP and service contracts in an email on XX/XX/XXXX at XXXX XXXX, he should have disclosed his financial benefit from these services or provided no advice at all.