davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/2022 I purchased a vehicle from XXXX in XXXX XXXX at XXXX XXXX XXXX. After doing my own research and checking the vehicles XXXX I found out the vehicle had a lemon buyback title. This was never disclosed to me after going back up to the dealership and having several conversations with them. They informed me that I signed a XXXX History report stating it was a lemon. I explained to them I never did and they printed the document out, after seeing the paper I instantly realized the signature was not mine and I never seen the document. They Forged my signature and never informed me of the vehicle being a lemon. I would of never signed loan documents if they would of disclosed this was a lemon ... This whole loan is fraudulent! Look at the signatures on both of my documents then compare it to the forged lemon XXXX vehicle report. This loan was not made with truth and credibility.
Consumer complaint received 2019-01-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (PA)

The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being that my family runs a XXXX business, we suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a high interest rate, and the payment was very high. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.
Consumer complaint received 2018-11-25
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. (NC)

I received info from XXXX stating that the information on my credit report is accurate from XXXX XXXX XXXX, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.
Consumer complaint received 2018-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WA)

I am having an issue with a debt being reported to my Consumer credit file by XXXX XXXX on behalf of XXXX XXXX The bill shows an unpaid amount of {$2700.00} dollars and this is grossly inaccurate. I have repeatedly asked XXXX for an itemized listing and documentation in regards to this account and amount. XXXX has not been forthcoming with the information requested. XXXX can not find my file with my information, SSN or other identifiers. 
XXXX XXXX has not complied with my request to verify and validate the manner in which they have concluded that I owe an amount that XXXX can not verify. 

I am asking the CFPB to intercede on my behalf. The collection account is reported illegally and unethically and I am asking for it to be investigated and removed from my consumer credit files.
Consumer complaint received 2023-03-27
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. (MD)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion ; XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX.
Consumer complaint received 2023-03-27
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. (FL)

When I reinvestigated my credit report, I realized that there is an account which is erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2019-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I have had XXXX for my mortgage for 4 years. Last month, they switched over to XXXX XXXX. My payments were always {$1600.00}. Payments were up to date with XXXX. 

XXXX XXXX sent me my first statement in XX/XX/XXXX up-charging me {$480.00} additional. My initial call was XX/XX/18 to see where the additional charge was coming from. No-one that I spoke to for several calls could tell me the reason for the up-charge and where that money is coming from. I paid the overcharge to avoid late fees and so they would not hurt my credit. I have called over 8 times in a months time period and still have not received any answers. On XX/XX/18 with my initial call I requested an escrow analysis which I was told would be complete in 2 weeks. As of XX/XX/XXXX, the analysis is still not completed which is 6 weeks later. I have provided XXXX with all proofs of House insurance and Tax information. It has been over a month of phone calls, email, and sending them proof and I still can not get an answer to where this additional payment they want every month is coming from. 

I am also receiving 2-3 robo calls from their company daily to refinance or to take out more money in a loan.
Consumer complaint received 2019-01-12
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. (KY)

The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.
Consumer complaint received 2019-01-12
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. (KY)

The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I read your response XXXX XXXX .... you are essentially saying 2/3 cards that I said were stolen are written off and you can not find me responsible. I reported all these cards stolen the same day. You understand by saying what you're saying you are admitting I had credit cards that were fraudulently used on the same day/night and you're trying to worm your way out of the XXXX XXXX  charge. I assume you are attempting to hold me responsible for the XXXX  charge. In order to hold me responsible you need to prove I was present at the store. Please get a video from the XXXX  store of me purchasing the XXXX product and I will pay in full immediately. I like how you said you wouldn't respond guess what you're gon na respond again, every 15 days Im gunna be writing you a letter until you make this right. Eventually your company is gunna end up paying {$12000.00} + on just responding to me. Do the right thing give me my stolen money back. No jury of my peers is going to side with your company without concrete evidence. I however have ample evidence I was not there at the time I.E. Clock in records of me clocking in at XXXX ( PT ), employees saying I was at work, the fact that the charges took place 2 hours away from where I worked, the fact the person who used my phone ( you admit ) sounds different than me a failed my password and did not know my social security number, the fact you told me to drive to the XXXX store and not to worry because you spoke to the security team and let them know to give me my money back. Way to many facts are against you please do the right thing you will lose in court and I will make sure the case gets seen by all government agencies. {$12000.00} is not going to be worth a Multi-million dollar fine for attempting to rob your customers. Do the right thing give me my stolen money back.
Consumer complaint received 2018-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (TX)

I have recently filed with the FTC and CFPB that I am a victim of identity-theft and submitted police reports, FTC Affidavit and CFPB Victim 's Complaint documents attesting to the fact. 
I just updated my credit report on XX/XX/2018 and have found a new collection account has been entered on my XXXX credit file from " XXXX XXXX '' representing " XXXX XXXX '' for an amount of {$880.00}. I have never applied or given XXXX XXXX authority to grant any services in my name.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

I had an account with Hyundai motor finance that I paid on time monthly. Once I turned the car in, I submitted the final car payment. ( Final payment in XXXX- paid twice that month ). I was subject to fees ( over mileage and disposition ) which I ultimately paid as well but were not part of the revolving payment. 

Hyundai reported to credit bureaus that I paid my monthly installment late and that I settled for less than the amount owed- both inaccurate. I can not get someone at Hyundai to speak with me about this.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (KY)

The information of payments being late were in 2012 and it is being report as more current than this. The amount of derogatory information is causing me many problems on my credit report. I am wanting this to be removed due to the age.
Consumer complaint received 2019-01-12
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. (OH)

I had an account with XXXX XXXX XXXX that I paid on time monthly. Once I turned the car in, I submitted the final car payment. ( Final payment in XXXX- paid twice that month ). I was subject to fees ( over mileage and disposition ) which I ultimately paid as well but were not part of the revolving payment. 

XXXX reported to credit bureaus that I paid my monthly installment late and that I settled for less than the amount owed- both inaccurate. I can not get someone at XXXX to speak with me about this.
Consumer complaint received 2019-01-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

In reviewing my credit report in XX/XX/2018, I learned a company, XXXX XXXX XXXX, had reported a debt in XX/XX/2018 and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and USPS returned the mail undeliverable. I submitted online disputes with XXXX and Equifax. No investigation responses were received from them either. I wrote to other addresses I found for XXXX XXXX  and have never received any response. I sent letters XXXX, XX/XX/XXXX and XX/XX/2018 to XXXX. The online disputes were submitted to the credit report agencies during that time and again recently. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by XXXX to contact me.
Consumer complaint received 2019-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

BOTTOM LINE : PayPal opened an account in my name without my consent, is holding credit card reimbursements in that account and telling me I have to pay them a 1 % transfer fee to have the funds sent to my credit card. 

FULL EXPLANATION : PayPal used a reimbursement of {$1100.00} to my credit card through PalPal to open a PayPal holding account under my name without my consent. When I called customer service on XX/XX/2019 to ask that the holding account be closed and the {$1100.00} be reimbursed to my credit card, XXXX ( the customer service representative ) told me that I could transfer it back to my credit card for a 1 % transaction fee. When I objected, XXXX talked to her supervisor and told me the full balance would be returned to my credit card within 24- 72 hours. When I called back 48 hours later on XX/XX/2019 in response to additional reimbursements being held in the holding account, the PayPal customer service supervisor XXXX told me it was a " computer glitch '' and the " engineers were working on it ''. I asked to be reimbursed so that I did not had to bear the cost of the glitch. XXXX said he could not do that but that I could transfer the funds myself for a 1 % service fee. It is now XX/XX/XXXX and PayPal is still holding {$1100.00} the account.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am an XXXX worker and came to US on work visa ( XXXX ) on XX/XX/2018 for first time. To start building credit history and confidence I was recommended that I should take a secured credit card by Capital One Bank. Currently I do not have any credit history in the country. 

I applied for Secured Credit Card through Capital One Website ( application number : XXXX ) on XX/XX/2018. Capital One requested for additional information ( a ) Passport ( b ) Social Security to be uploaded online for verification. 

On XX/XX/XXXX, I received credit card decline notice with justification that my address is invalid/incorrect.

I have all address verification documents with me like Bank Statement with Address, Lease Agreement, Utility Bills and Insurance Records with Address available, but still without asking for any of these documents, which are valid address verification proof, they rejected secured credit card. 

I also validated with XXXX and there credit report also shows the same address which was filled during credit card application. 

Due to hard entry of Capital One credit card rejection/application on XXXX  Credit Report, other bank `` XXXX  XXXX XXXX '' also rejected secured credit card for me with justification " multiple credit card requests on file ''. 

Currently, I do not have any secured credit card / loan and I already got multiple hard enquries impacting my credit rating on the file. With this it is impossible to gain fast, reputed and good credit rating on my credit report
Consumer complaint received 2019-01-12
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. (NV)

While reviewing my free annual credit reports from XXXX, XXXX, and Experian, I noticed an open account with XXXX XXXX from XX/XX/2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the XXXX  credit report is " XXXX XXXX '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.
Consumer complaint received 2019-01-13
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. (MO)

This account was opened by deception, upon attempts to payoff and close the company proceeded to violate the The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of 1999. It is a United States federal law that requires financial institutions to explain how they share and protect their customers ' private information.
Consumer complaint received 2019-01-13
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. (MO)

This account was opened by deception, upon attempts to payoff and close the company proceeded to violate the The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of 1999. It is a United States federal law that requires financial institutions to explain how they share and protect their customers ' private information.
Consumer complaint received 2023-07-28
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. (MA)

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 2019-01-12
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. (NV)

While reviewing my free annual credit reports from TransUnion, XXXX, and XXXX, I noticed an open account with XXXX XXXX from XXXX 2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the TransUnion credit report is " XXXX XXXX '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.
Consumer complaint received 2019-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC (MI)

I have a debt thats been showing on my credit reports for a couple years now. The original account appears to be utility services through XXXX in which I have never had service. I believe this may be a result of an identity theft that I wish to address.
Consumer complaint received 2022-07-14
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-12
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: CORELOGIC INC (NY)

There are 3 hard Inquiry on my file report on XXXX  that i have no knowledge of and never authorized. When I found out I had called each company to remove hard inquiry as I never signed anything giving anyone permission This is the list of the hard Inquiry pulls I would like removed : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-12
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. (NY)

There are 3 hard Inquiry on my file report on transunion that i have no knowledge of and never authorized. When I found out I had called each company to remove hard inquiry as I never signed anything giving anyone permission This is the list of the hard Inquiry pulls I would like removed : XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX