davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United PanAm Financial Corp. (CA)

in XXXX I noticed that I am victim of identity theft. I opted to place an fraud alert with the 3 principal credit bureaus nationwide. 
In XX/XX/XXXX, I receive a letter from the lender notifying me a reassignment of contract transfer the contract to the original seller ( confused me more ) and removed my loan account from my credit report. ( This account is not in my credit report anymore ). 
But wait if isnt this account in your credit what that means? 
Adding to this I send An email to the person that indicated in the letter with any response, till last week a guy call me supposed to work for the lender, and when I asked him about this letter he just put the call in hold and then cut the call, after that I get a couple emails that they need the payment. All this is confusing to me because as an victim of identity theft is really stressful this situation please help me.
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUP XXXX CHILDSUPPORT XXXXXXXX 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 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 XXXX XXXX XXXX
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have tried to remove my credit freeze for the last five years. I place a credit freeze on my account in XXXX due to a security breach and i was offered free credit freeze/monitoring. My first attempt at a permanent freeze removal was through the Experian website in XXXX. A background for a job was flagged and I attempted to remove the freeze to open up my credit history. I assumed it was removed since my XXXX XXXX card was charged three times at {$5.00} per transaction ( submitted request to XXXX XXXX for archived copies ). In XXXX, I was in the process of looking for a new home when I was informed by the bank there was a credit freeze on my account. I, once again, filled out the appropriate information but this time, I mailed in all the requested documents along with a check ( i have proof of payment to Experian ). I assumed everything was taken care of. In XXXX, I applied for a XXXX XXXX credit and found out nothing was done by Experian. I mailed in documents on XX/XX/XXXX ( see attached file ), I have spent countless hours with my accountant, banks, accountants, Experian, etc for the last five years. I recently mailed a priority mail letter on XX/XX/XXXX with all of the documents ( see attached ). My tracking number shows arrival at the Experian Credit Freeze Removal address ( XXXX XXXX XXXX Tx ) on XX/XX/XXXX in the morning. I contacted Experian on XX/XX/XXXX and they said the package did not arrive and to call back 24 hours later. I contacted them on XX/XX/XXXX and Experian claims they do not have the package and it will take 3 to 5 business days to process. I asked to speak to a supervisor and she told me to call back on XX/XX/XXXX ( 7 days later ) to see if they received my package. I was then told by the operator that it would be another 7 to 10 business days to get a pin ( I requested a removal not a pin ). I am in danger of losing a vehicle loan due to this nightmare. I do not know what to do. I have spent over {$4000.00} dealing with this and I am back to square one.
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (FL)

Equifax, I was a victim of identity theft and the below hard inquiry is unauthorized and fraudulent. 

XXXX XXXX  XXXX - XX/XX/2023 Please have this removed as soon as possible as its damaging my ability to obtain credit.
Consumer complaint received 2019-06-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2016. XXXX dollars. I was hired by a man named XXXX XXXX, my boss, and I was to cash a check through my Bank of America account. The check came back as fraud and my account was shut down and reported to the XXXX system and I attempted to contact Bank of America and they said there wasnt anything I could do. I would like this to be reported and for this to be off of my report.
Consumer complaint received 2018-04-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

I took a Payday Loan on XX/XX/XXXX from Advance America in XXXX CA. I received a letter from Advance America dated XX/XX/XXXX trying to collect. I made a payment in XX/XX/XXXX & XX/XX/XXXX. I started having some financial problems. I have not made a payment since.

As of XX/XX/XXXX I have been receiving phone calls from a company, XXXX XXXX, but they never said who they were collecting for until today, XX/XX/XXXX when I called them back. All they said was that my account was going to Litigation ( I believe they used that word ) & being sent to XXXX County courts ( XXXX, CA ). They told me the amount, which is over {$210.00} that I actually owe, but I did not write it down. I got angry & hung up on the person I was talking to because she accused me of totally ignoring any correspondence from Advance America or XXXX XXXX.

What do I do? How can I settle this problem? I am on a limited income, I am retired. I do not want them attacking my bank, although, my current checking account is NOT on file with Advance America anyway. Help!!
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX and Transunion are reporting incorrectly a joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan, since 2011 and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item from my credit report.
Consumer complaint received 2019-04-19
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: ENCORE CAPITAL GROUP INC. (GA)

I was notified by XXXX that Midland Credit MGMT INC pulled a HARD inquiry of my credit report on XX/XX/2019. ( Report Number : XXXX Date Generated : XX/XX/2019 ). I have not applied for credit anywhere or have any business with Midland Credit MGMT INC.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (FL)

I am filing a complaint against Self Financial Inc. for violations related to IRS tax reporting requirements on the property. 

I was the lender to Self Financial Inc. for credit associated with account. In tax year 2022, I acquired and took possession of property abandoned by Self Financial Inc. that was collateral for the account.

As the borrower, Self Financial Inc. should have filed IRS Form 1099-A to report my acquisition of this secured collateral property, but they failed to do so. This violates IRS regulations requiring borrowers to file Form 1099-A when lenders take possession of collateral property through acquisition or abandonment.

Additionally, Self Financial Inc. failed to properly adjust the account balances in the amount of {$1200.00} after I acquired the abandoned collateral property. This results in improper reporting of the debt obligation and has the potential for tax fraud if they are avoiding cancelled debt reporting. 

I have enclosed documentation showing my lawful acquisition of the property abandoned by Self Financial Inc. that should have been reported to the IRS using Form 1099-A. Their failure as the borrower to file this form represents a violation of IRS reporting rules and an unfair and deceptive practice.

I request that the CFPB investigate this complaint against Self Financial Inc. for failing to perform their duties and take appropriate action to compel them to comply with IRS regulations on reporting foreclosed collateral property. Consumers should not be harmed by such violations of proper tax reporting requirements. Please notify the proper authorities within IRS of Self Financial Inc blatant and willful negligence regarding with tax matter and potential tax fraud.

Please contact me if any additional documents are needed regarding this complaint. I look forward to your prompt assistance enforcing these important consumer protections.
Consumer complaint received 2021-10-18
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: Experian Information Solutions Inc. (TN)

XXXX and Experian are reporting inaccurate accounts on my report and have been for some time now. XXXX already took care of this matter a year ago but XXXX and Experian seem to be ignoring the issue. I am in the market to buy a home and I refuse to let the bureaus not doing their job be the reason I can't get one. I have children depending on me. REMOVE these erroneous inaccuracies from my credit report immediately. I will be attaching a copy of my credit report as proof that they aren't doing their job.
Consumer complaint received 2019-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I have already filed a complaint against this lender. The case was closed, but the problem persists. I have faithfully paid my mortgage and also principle abatement payments every month. Since XXXX of 2019 I have made 6 payments of {$2300.00} the lender reversed one of them and is not crediting my account. The lender states that they have corrected any problems, yet my statements continue to show less than I have paid. All of the numbers are wrong, the principal balance remaining, the interest paid and still owing. 6 payments @ $ XXXX {$13000.00} yet my statement shows that I have only paid {$11000.00}. I am tired of chasing after this lender, this problem has only existed since they merged or were acquired and became XXXX. I insist this issue be corrected and a new statement sent showing what Ive actually paid.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P. (CA)

Southwest credit services is reporting a collection account for XXXX XXXX XXXX   XXXX XXXX. It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on my credit.
Consumer complaint received 2019-06-26
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. (TN)

I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Consumer complaint received 2018-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MI)

Repeated attempts to collect a debt owed by someone other than me on my cell phone, 3 calls XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. The company appears to be Comenity Bank. The person they are asking for isnt anyone i know. I have asked them to stop several times. They are now calling my house number as well. This is harassment and a clear violation of Fair Debt Collection Practices and TCPA
Consumer complaint received 2019-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MT)

After recently requesting a " verification of debt '' from Navient due to my account balances appearing to be extended, larger amounts due, and more loans than what I had on file, I received two loan applications and promissory notes. I pay on 3 loans every month to Navient that seen to never decrease in balances and the interest rates are up to 12 % when my records show much lower interest rates. I'm struggling paying these loans due to my financial planning was supposed to have them paid for by now but the loans keep increasing with different balances etc. 

I have loan documents from XXXX and XXXX to include 2 loans one for XXXX and one for XXXX. I'm not understanding where I owe 3 loans according to my account with Navient, 1 at XXXX, 1 at XXXX, and another at XXXX. After paying on these loans with Navient since XXXX I admit I have been confused and not able to track all my school loans and have just been paying what ever is asked of me. Recently after counting up the payments and years of payments it sparked a concern that my Navient loans were not correct and then I found many discrepancies. 

I would appreciate any assistance in this matter.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now
Consumer complaint received 2015-06-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I purchased a XX/XX/XXXX Chevy Silverado XX/XX/XXXX from XXXX in XXXX. I test drove the vehicle and it appeared to be sound. I drove the vehicle to my job location XXXX. Upon arrival the vehicle began hesitating and dying at stop lights. I checked the oil and it was down XXXX quarts. The engine light came on. I topped off the oil and noted the oil light was acting irregular. In XX/XX/XXXX I put my vehicle in the shop. The shop confronted me and said the oil sending unit was bad. It remained in the shop for XXXX week until the repair was made. Later that month I was experiencing the transmission shifting irregular and not changing gears until reaching high rpm. The vehicle died at the stop lights or upon breaking abruptly. I constantly checked the oil and after XXXX mile trips it would use XXXX quart of oil. At the end of XX/XX/XXXX I put the vehicle in the shop for XXXX weeks into XX/XX/XXXX and they replaced a motor mount, oil valve cover gasket, replaced the spark plug wires and spark plugs and the shop did a drip into the pistons claiming the rings were seized. Than seemed to address the oil consumption. I was still having issues with the transmission after XXXX miles dying coming to stop changing gears at high rpm. I drove back to XXXX. and took it to XXXX on the XX/XX/XXXX. On the XX/XX/XXXX they told me that the torque converter was fried. A Superior agent approved a used transmission from a wrecking yard on the XX/XX/XXXX. On the XX/XX/XXXX the truck was picked up. I paid the XXXX deductible. 
On the XX/XX/XXXX we traveled to our kid's house XXXX for the weekend and encountered the very same problem with the transmission. We stopped in XXXX for gas and the truck would not start. XXXX towing came out with a wrecker and hauled our vehicle XXXX. We had to rent a car XXXX to return back XXXX where we are working.         We got the truck in too XXXX. The service manager called this morning and stated that XXXX lifters needed to be replaced. He quoted XXXX for the repairs. When I asked him about the transmission he said they had to replace the lifters XXXX. I spoke to XXXX who is the Service Manage XXXX.
I purchased a service plan with the vehicle. They would not honor my past repairs and they are dragging their feet on the repairs to the Vehicles' transmission. We had the extended warranty plan, Superior Plan, on the truck  
I have owned this vehicle paying XXXX per month going XXXX months. My repair on this vehicle is well over XXXX bringing the monthly payment to XXXX per month not counting the cost of the transmission repair XXXX 
I have had to rent vehicles while my truck was in the shop in the amount of XXXX on XXXX separate occasions. The rental were XXXX days at a time.
Consumer complaint received 2023-05-04
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. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-18
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. (IL)

I demanded that the following accounts be removed from my credit report : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX   Account # XXXX
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Local Management, LLC (AL)

I have an open account. My due date is the XXXX of every month. Someone visited my hone and left a threatening letter on the XXXX. A late fee has not been added to my account and the was one other time a late fee was added. I have never paid account beyond 30 days and this is not the type of letter I, or  anyone else, should receive if account is not " seriously delinquent '' as letter so states.
Consumer complaint received 2020-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (FL)

I've had a situation in the past with financial problems during the separation of my family and i had no access to a lot of things in the process, including my mail and certain credit cards i had in my possession.. The card was a secured card for {$300.00}, in which Wells Fargo rendered the security deposit, but added more than 150 dollars in late fees after taking the XXXX i put down to receive the card.. i had no idea about it i even went to the bank and they told me that " they took the {$300.00} deposit so the account is closed no worries! i took it as that. i have had 2 companies try to help me because my credit is great but i cant get a place to live so i can gain XXXX  XXXX  of my son because of the {$160.00} late fees they have on my file and WONT REMOVE!!!!!!!! i need help please .././././.