davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX : XXXX NO VALID CREDITOR : XXXX XXXX XXXX XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX   : XXXX Inquiries : XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX   : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2019-07-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (TN)

On XX/XX/2019 I sent Credit Acceptance and XXXX XXXX XXXX Company a dispute letter disputing the repossession listed on my credit report and requesting all documentation pertaining to the repossession. On XX/XX/2019, I received a summons to appear to court on XX/XX/2019, at XXXX XXXX. 

On XX/XX/2019, I contacted Credit Acceptance Attorney who is representing them by the name XXXX XXXX XXXX. I spoke with XXXX to see if I could get the court date changed due to me not receiving proper notices and short notice to attend court. I did not hear back from her so I sent a response to the complaint that was filed against me to XXXX at XXXX and XXXX via email at XXXX and handle delivered a copy of the response to the complaint to the State of TN , County of XXXX. Next, I sent a SECOND NOTICE to Credit Acceptance requesting the repossession information that's supposed to be provided to the consumer by law. 

We appeared in court and they reset the date to XX/XX/2019 at XXXX. The attorney 's for the plaintiff stated that they had already sent the information out to me but they did not have the correct address on file the first time according to XXXX at XXXX and XXXX who verbally stated that all of the information had been sent at the time of collection to the other address at XXXX XXXX XXXX but not XXXX XXXX XXXX. The court stated they wanted to give them an opportunity to send me that information. 

They are attempting to sue me for {$10000.00} plus contractual interest accruing 10 % totalling {$870.00} plus contractual attorney fees {$2200.00} for a total judgement amount of {$13000.00}. 

This is the second attempt and Credit Acceptance have failed to send me the information requested pertaining to the repossession listed on my credit reports.
Consumer complaint received 2017-01-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

25 years later I 'm still fighting a losing battle with my student loan. I am making the minimum payment it 's all in an effort but because of the interest my loan stays the same every month every year. I am on a student loan treadmill XXXX of which the loan will never be paid off most of the payment is going towards interest how is this legal? I really think we need to look at the student situation in this country and make some changes the interest rate should be kept very low for both subsidizing unsubsidized loan my current loan is 9 % on the {$13000.00} balance which is more than it was 25 years ago today. XXXX have mercy, I am sure I 'm not the only person in the situation, please do something are there any plans to change this or help with for people like myself or tax abiding citizens who do not work in the public sector? Please help this is making me in the American people poor in America and banks very rich.
Consumer complaint received 2019-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

On XX/XX/2019 Equifax processed a credit inquiry from XXXX despite the fact that the other two CRAs marked the inquiry as obviously fraudulent. The information provided to Equifax was an accurate name, address and phone number but included a completely fraudulent 9 digit social security number, which Equifax made no effort to verify prior to processing the inquiry. On XX/XX/2019 I called Equifax and spent several hours on the phone, to let them know that the hard inquiry they had processed was fraudulent but they refused to acknowledge the fraudulence nor were they willing to remove the fraudulent hard inquiry from my credit report. This hard inquiry may have an adverse effect on my credit rating and was processed, against federal guidelines, using verifiably fraudulent information.
Consumer complaint received 2019-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union incorrectly listed a credit card balance o na XXXX XXXX. I filed a dipsute. Instead of fixing the error and updating my balance they erronesoulsy just DELETED the whole account from my credit file. That is totally incorrect response. Thjey need to ADD the XXXX Account BACK into my credit report and UPDATE the BALANCE on the account to XXXX ( XXXX ). The DATE TRANSUNION completed their investigation was XX/XX/2019. The amount disputed was XXXX Balance. The current balance is XXXX. 
I could not dispute their action online and I have not been able to get them to re-instate the account by phone.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (IL)

IL state law does NOT allow credit reporting agencies to background check beyond 15 years. Nor does it allow reporting on offenses that occurred as a minor. 
Yet, www.chekr.com used a felony from 2003, a XXXX year old charge ( as a minor ) to bar me from employment, causing me to incur an indigent status. I AM XXXX living with family due to improper reporting. They EMBELLISH charges on your rap sheet without actually looking into each offense, to your prospective employer. I.E. If you pled no contest to say, a graffitti charge, vandalism, or any kind of damaging property charges, and you are trying to work for XXXX, they will report that graffiti charge to the Nth degree, even though, what could you vandalize while working out of your own car? Kinda like they don't want ANY criminals ( even the pettiest offender ) being hired EVER, forcing them BACK into a life of crime. 

Atop of that they are absolutely foul in their manners. A dispute to their reporting is almost disrespectful to them. I have never heard anyone get anything reversed from dispute. Pretty much, even if they do reverse the wrong info, the jobs already gone since it takes weeks for this trash entity to act.
Consumer complaint received 2016-08-11
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX in the amount of {$500.00} dollars. I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at FIFTH THIRD BANK on XXXX/XXXX/XXXX. I have never deposited this check to FIFTH THIRD BANK! I have NEVER owned an account there I never even heard of this bank. I contacted FIFTH THIRD BANK to see what happened to my check. They said that they cant research this check because there is information missing and that I am not their customer. I asked FIFTH THIRD BANK to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and according to XXXX XXXX XXXX this check was cashed at Fifth Third Bank but the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in FIFTH THIRD BANK! 
Please help!!
Consumer complaint received 2018-05-02
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. (FL)

Experian credit bureau has a XXXX XXXX XXXX inquiry dated XX/XX/2018. This does not belong to me and I would like to have this inquiry removed immediately. Thank you.
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

On XX/XX/XXXX I sent in a response letter to Toyota Motor Credit in response to my consumer complaint. After looking over my consumer report I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt become null and void. 

Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued hereunder, other wise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute certain information on my credit report, which I believe to be outdated and inaccurate. I recently obtained a copy of my credit report from your agency, and upon reviewing it, I discovered discrepancies that require your immediate attention.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CT)

I signed my federal income tax check over to my boyfriend in the amount of {$1700.00} from IRS XXXX XXXX XXXX over XXXX months ago ... ..I have been waiting, I was called by chase two times to verify it was my check. My boyfriend, the account holder went to the branch several times and calls daily. It's ALWAYS a different story ... .they took fees for what my boyfriend owed but still have yet to release the check. I have 4 kids and have XXXX money.
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

Applied for loan on XXXX XXXX.Submitted all requested documentation within three days. Initial approval was on XX/XX/XXXX, no word from loan officer until I sent an email XX/XX/XXXX asking about delay. A insurance document was missing. Sent it. 

I received this email in response to is this all you need? 
On Tue, XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX wrote XXXX At various points during the loan process, we will send you information based upon regulatory requirements. 

I was told I would hear within 72 hrs. 

XX/XX/XXXX I asked again about the delay and for a decision within 48 hrs OnXX/XX/XXXX st I asked again and was told they couldn't proceed at this time, but the loan was still pending. 

The rate lock would expire on XX/XX/XXXX. They would not approve until after that date making the agreed upon loan terms void. 

At this point I'm out XXXX for an appraisal and XXXX for a demand letter and fax. There maybe other fees I will have to pay.
Consumer complaint received 2019-07-09
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: Lake Area Collections, LLC (LA)

Lake Area Collection has placed an account in the amount of {$10.00} on my credit reports. When asked to validate the account they sent private medical data that was obtained without my consent. I have sent tried to dispute the information for violating my HIPPA rights and have received no response from the company.
Consumer complaint received 2019-09-20
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. (AR)

My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XX/XX/XXXX3.XXXX XXXX paid as agreed.

4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX Paid as agreed. History reporting inaccurately. Never 30 day delinquent XX/XX/XXXX through XX/XX/XXXX. 
7. XXXX XXXX Paid as ageed.
Consumer complaint received 2023-02-10
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. (GA)

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : [ NO ACCOUNT NAME ] - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-02-27
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

They have violated my rights. 

Account name : # XXXX  Acct XXXX XXXX Account name : # XXXX Acct # XXXX Account name XXXX XXXX XXXX Acct # XXXX Account name : # XXXX XXXX XXXX Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX Acct # XXXX Account name : # XXXX XXXX  XXXX Acct # XXXX Account name : XXXX XXXX XXXX. 
Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct # XXXX Account name XXXX XXXX XXXX XXXX  Acct # XXXX Account name : XXXX  XXXX Acct # XXXX Account name : XXXX  XXXX Acct # XXXX Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2019-05-01
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. (GA)

I'm in the market for a home purchase. One of the preparation steps i'm taking is monitoring my credit report. A couple of days ago I checked my credit report for the first time in a minute and I saw a couple of items on my credit report that are not mine. These items need to be deleted from my credit report. I've contacted the FTC and my local police. I'm doing this on my own. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

On XX/XX/2019 my XXXX and XXXX Accounts were both flagged as collection from the company of Enhanced Recovery Collections. I attempted to dispute this collection on the XXXX of XXXX. On the XXXX of XXXX my dispute came back at validation of debt. I called ERC to settle the account ( which is not mine ) for {$290.00} to get it off of my reports. They were rude and very unprofessional.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MO)

I have a debt collection from diversified collection for XXXX in the amount of {$190.00} as well as XXXX  for {$99.00} for XXXX XXXX XXXX XXXX. I have never had XXXX XXXX XXXX XXXX so this has to be for XXXX which means that they are trying to falsely collect on the same account twice.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NY)

I paid the account in XX/XX/2015 and they reported to my credit in XX/XX/2015. SYNCB/Wal-Mart sent me a letter to settle. I called the number on the letter and spoke to a representative and she advised me that if I paid she would have it removed from my credit. I settled and paid. Once my payment was receiving SYNCB/Wal-Mart reported me to the credit bureau. therefore ruining my credit.
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CO)

I should have done this sooner. I assumed Direct Express was safe.    Direct Express/Comercia Bank  have cut me off from looking at my own account online! For months now.   I had to call them the get   XX/XX/XXXX  and  XX/XX/XXXX  sta tements.   Accordingly the {$950.00} someone hacked my account for has not been replaced. Now I guess I will  need  XX/XX/XXXX  and  XXX  2017 stat ements.   They tak e 7 t o 10 days ...   They told me they replaced {$850.00} but that is not on either of these statements.   They replaced {$100.00} for me to live on for an entire month!   They charged me {$1.00} transfer fees and {$4.00} for a new card. Why? I did n't have anything to do with hacking my account.   This is the second time my account has been hacked.
Consumer complaint received 2019-07-09
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. (FL)

My date of birth is not reporting correctly on my credit report XXXX Multiple addresses that are incorrect s reporting on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple addresses that are incorrect are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX