davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a bankruptcy reporting on my account that is erroneous in amount that is showing {$0.00}. Also I was told that it had been verified through the courts which was a lie because I received a letter from the courts on XX/XX/XXXX stating that they do not do such.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MD)

I purchased a car from XXXX and it was financed by XXXX XXXX -- now Bridgecrest. 

XXXX never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my bridgecrest payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of bridgecrest on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX removed this after a dispute was initiated. But XXXX still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. 

Such XXXX and am out thousands of dollars because they refuse to accept my money.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carvana Group, LLC (MD)

I purchased a car from Carvana.com and it was financed by XXXX XXXX -- now XXXX. 

Carvana never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my XXXX  payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of XXXX on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX  removed this after a dispute was initiated. But Carvana still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. 

Such XXXX  and am out thousands of dollars because they refuse to accept my money.
Consumer complaint received 2019-08-04
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. (NM)

XXXX XXXX pulled my credit report without my authorization. It was a hard pull made on XX/XX/XXXX. 
I filed a dispute with Equifax. 
They received it - Confirmation # XXXX. 
They said they can only remove this hard inquiry from my credit report after they get a copy of my FTC complaint, which is why I'm filing it. 

XXXX never denied pulling my credit without my authorization. They said it was a " soft pull '' that would only stay on my credit report for 2 weeks maximum. That is not true! It is showing on my Equifax report as a hard inquiry that will stay on my report until XXXX XXXX. 

I want it gone and I want XXXX XXXX to compensate me for the damage they caused my credit and the time required for me to correct this!
Consumer complaint received 2018-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

I have disputed said debt via certified mail returned receipt. The company has not validated said debt and proved they are authorized. 
Although they ave provided copies of statements it does not prove that this account belongs to me. they have also provided generic terms and conditions from website, but it does not state an account number, name or balance or reference the alleged debt nor any written authorization to me. 

They also have provided a generic copy of bill of sale. The bill of sale does not provide an account or reference to the alleged debt. Therefore, I reject this information as valid proof of alleged debt. 

I have disputed this alleged debt on several occasions with them and their associates and known associates by way of certified mail, returned receipt. I have requested complete and accurate validation of the alleged debt under the FDCPA 15 U.S.C. 1692 et seq. ( see attached ) Although I continue to dispute this debt you continue to report collection activity and negative credit reporting in relation to this debt and you are in violation of the FDCPA Section 809 ( b ) and the FCRA. 

I have asked them to correct this immediately and I have considered to pursue legal action against them, including but not limited to violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character, and Fraud.
Consumer complaint received 2018-08-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Adjusters, LLC (CA)

XXXX keeps calling all my family and work. I have called them repeatedly to tell the. They do not have permission to contact me other then my home phone, and they still continue to call people and tell them its in regards to either an application ( no application with them ) or they are trying to get me to pay my debt I owe. They have told this to family and my employer. This is not ok, and the harassment wont stop.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

I currently bank with Wells Fargo, I use their " XXXX XXXX '' rewards credit card at the moment. On XX/XX/2018 my XXXX credit score dropped 29 pts from XXXX to XXXX ... And my XXXX  credit score dropped 28 pts from XXXX to XXXX ... I'm not sure why Wells Fargo would do this to my credit score but I'm very disappointed and confused as to why my credit score would drop so far? I have worked really hard to build it up over the years. I have never missed a payment in the lifetime of my credit and I have always paid my credit debts off FAST even if my balance gets a little high from time to time. I would truly appreciate it if this could somehow be fixed. Thank you
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (CA)

XXXX  and XXXX  have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my XXXX.
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BHA Services (CA)

At XXXX I received this text from this phone # which when I looked it up was a cell phone # ( XXXX ) XXXX : This is XXXX XXXX with BHA Services , Legal Department XXXX We are a Professional Debt Collection & Asset Recovery Corporation Please contact me today for further information. Thank you in advance. http : //www.bhabillpay.com XXXX XXXX This is an attempt to collect a debt. Thank you. 

I have no idea who this is, there is no opt out option, this was the message in its entirety, the grammar and punctuation is very suspicious, and I am current on all of my bills. This has to be a scam, please look into this matter I was not sure who this was and it scared me as I was waking up so I clicked the link. Something I normally would not do but I did.
Consumer complaint received 2019-03-30
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. (TX)

They refuse to investigate dispute because they claim they investigated it in 2015 there are two loans on this account that are over seven years old and still remain on my credit report I asked them to delete them and I got no response from my written dispute to their company which is XXXX credit reporting
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (FL)

SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX Breached its contract and that Breach resulted in the alleged debt of {$470.00}. 

On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders. 

SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights. 

Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending. 

SourceRm XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX XXXX
Consumer complaint received 2022-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I applied for an auto loan and the dealership provided the required Request for Payment form to USAA. As requested, the dealer provided the Routing Number and Account number. USAA informed me ( the borrower ) that they did not receive the routing number and account number. When pressed ( over 2-3 days of repeated calls ), USAA admitted that they received the numbers but required a different set of numbers to complete an ACH transfer to fund the loan. The dealer immediately provided the requested information via email. Unexplainedly, on XX/XX/2022, USAA sent a bank check to the dealership via XXXX which was received on XX/XX/XXXX. USAA made the check out to the parent company and not to the automobile dealership, as directed. When I called USAA on XX/XX/XXXX to demand that they fund electronically, they refused and offered to put a stop payment on the check and re-issue the check. When I asked whether they would amend the " funding day '' to the day when the check was actually received by the dealership ( expected to be XX/XX/XXXX ), they refused. When I informed the representative that I thought such practices violated Federal consumer protection laws by charging consumers interest on loans they had not yet received, they were still unwilling to correct the funding date. 

Although the difference in the interest amount paid is negligible, if a wide-spread practice, the amounts wrongfully charged consumers may be substantial. If not an actual violation, clearly the conduct constitutes an unfair, deceptive, and abusive act/practice ( UDAAP ). 

Providing full disclosure, I was a CFPB XXXX XXXX XXXX for XXXX XXXX years.
Consumer complaint received 2021-06-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC (WI)

I have had this car loan since spring of XXXX. I have made every payment before it was due except one month missed and partial payment one month a year ago. I was told that due to the pandemic they understood and it wouldnt affect me in a negative way. My billing due date is the XXXX of each month. On Friday XX/XX/XXXX ( my birthday ) I went to leave to make the payment and my car was gone. They said they repossessed it because I was 90 days past due. I called and made a payment of {$1000.00} ( over {$700.00} in random fees not put towards my loan ) plus the fees at the towing company to get my car back and cooperated with paperwork and they still put 2 months deferral on the back of it. I checked my credit report for an apartment application and they have me as not paid every month for the entire last year. I went on the GLS website to print my payment history and even for XX/XX/XXXX it still said past due after I had given them everything they asked for! Because the phone rep didnt charge me an extra penny they reported an outstanding balance. Nobody told me this was affecting my credit. All I want is for my credit reports to reflect all of the months that I paid and that it was before the due date. This loan has demolished my credit score and is affecting me being able to even rent an apartment. I already knew the interest was high but after doing my research this company has a habit of giving consumers such as myself false information about loans, putting most of the payment towards the interest not the loan, and then reporting it negative to repossess and resell the cars at action and still request payment from the lendee. This company is a scam and I would like to have my credit reports show every month that a payment was made as in good standing. 1 1/2 missed payments during a pandemic is NOT a reason to sabatoge someone whos consistently paid the bill. I have disputed the negative marks with all three major credit reporting companies. I have filed a complaint with the XXXX XXXX XXXX. I am stuck in this loan now because they hurt my credit but I will contact as many people as needed to get this resolved. I can not be homeless over a car loan that I paid. It is unacceptable.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX IS REPORTING LATE PAYMENTS ON MY MORTGAGE/ CREDIT REPORT. THIS MORTGAGE WAS UNDER A MODIFICATION DURING THIS TIME, THERE SHOULD NOT HAVE BEEN ANY LATES REPORTING
Consumer complaint received 2024-03-01
Product: Credit reporting 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. (OH)

I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent.
Consumer complaint received 2018-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AK)

On XX/XX/2018 l walked into the XXXX XXXX store located at XXXX XXXX XXXX and went to the customer service desk. l sent money to XXXX in XXXX, XXXX, using the Western Union service, to my sister in law. That money supposed to be used for expenses at the hospital for the XXXX of my mother in law. The amount sent was XXXX U.S. dollars. 
Unfortunately the money never was received by my sister in law, who was in charge of receiving the money on the same date mentioned above at XXXX XXXX. After 25 minutes, the money was processing but my sister in law never received the money. She called me and said that she never got that money and that they just told her to check the tracking number and come back the next day. When she did they told her " Sorry but this number does not exist in our system. '' I walked into XXXX XXXX store again to explain the issue. They tried to call Western Union but they never answered. I  told the person who was attending me that I was calling Western Union customer service for almost the whole day and nobody answered me as well. It is unfair that no one answered for the entire day. That's why l called the Consumer Financial Protection Bureau. Thanks to the person who answered me and told me what to do in order to receive my money back.
Consumer complaint received 2023-01-05
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. (CA)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX #, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX 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 2022-03-09
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. (CA)

XX/XX/22 at XXXXXXXX XXXX  I received a text alert from Transunion stating that a company asked for my credit report and they instructed me to long on to see if it was authorized by me. I logged on and the company was XXXX XXXX XXXX, which Ive never heard of, dont have an account with them, never applied or gave permission for them to check my credit. Transunion was closed so I had to wait until Monday, XX/XX/22 to contact them. I called the number shown on my report for XXXX XXXX XXXX on XX/XX/22 but they were closed. 
XX/XX/22 I contacted XXXX XXXX XXXX, spoke to XXXX. He checked and verified that I had not have any affiliation with their company. He then put me on very long holds several times to check why there was an inquiry. After being asked to hold a 3rd or 4th time I asked for a callback. XXXX called later that afternoon and told me that it was XXXX XXXX who provided them with my information and to contact XXXX XXXX. I contacted XXXX XXXX and was told they cant take it off. Contact the credit bureau or XXXX XXXX XXXX. I have contacted Transunion 3 times about this and all of the companies involved but everyone keeps passing the Buck. 
XX/XX/22 called Transunion again, they told me to get a deletion letter from XXXX XXXX XXXX. I again advised them that I have contacted XXXX XXXX  XXXX, they verified that I have no affiliation with them current, past or present and that they could not remove the hard inquiry. 
They referred me back to XXXX XXXX  and Credit Bureau. I have spent the better of 5 days trying to track down, investigate and resolve this matter that has impacted my credit without a resolution. How are these companies allowed to do this? I understand that companies do soft inquiries, most of which I dont recognize or authorize, for marketing purposes. The soft inquiries dont impact my credit but the hard inquiries that I dont authorize do. Please help!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

I have contacted TransUnion on several occassions due to an issue with my credit score decreasing multiple times within a one month for the same issue. This is an erroneous practice that TransUnion continues to due, which has a negative impact on my overall credit score. As a consumer who is trying to correct my credit profile by paying my bills on time and keeping my utilization low this is very disheartening. On XX/XX/year> TransUnion deducted XXXX points after I DECREASED utilization and DECREASED account balances. After speaking to several customer service representatives no one could explain why my score decreased from XXXX to a XXXX, with low credit card utilization and low balances this makes no sense. 

TransUnion is aware due to inquiries that I am applying for a mortagage which is seems to be why these unnecessary drops in my score are happening. It would be greatly appreciated if TransUnion could place the decreased points back on my report from my FICO 8, 5, 4, 2.
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

Despite my account being current, timely payments made, and the latest statement showing a current balance, I still receive harassing robocalls from XXXX Bank XXXX The calls are harassing and after XXXX PM and back to back ( enclosed ). I have already notified XXXX Bank XXXX XXXX XXXX XXXX credit my account for the missing crypto, and adjust the balance to reflect the value of the agreed rewards. 

The undersigned contacted your office and left a voice mail requesting a callback, tried chat messages, and even a formal process. To date, no call has been returned. If we fail to hear from you within a reasonable amount of time, we will consider the terms rejected and pursue small claims.
Consumer complaint received 2020-12-16
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. (AZ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.