davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

There was a title loan given on the vehicle ... XXXX ... ..the vehicle was ultimately repossessed ... .the company continues to report the original loan amount to XXXX and has given no monetary credit for the vehicle ... ..the tires and rims on the truck alone was worth more than XXXX ... ... and that's not including the value of the truck itself ... .the loan amount should have been completely wiped out after the vehicle was repossessed due to non-payment ... ... .the amount reporting to the credit reporting agency as a charge off is completely incorrect! and on top of that ... ..the loan was obtained fraudulently by my brother ... ... and all the proper documents have been submitted to the agency ... ... but as I said besides all of that ... the company AUTOMOBILE ACCEPTANCE account # XXXX AMOUNT OF XXXX ... ..this is wrong on so many levels and I have tried to resolve this with no result
Consumer complaint received 2019-08-07
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: Experian Information Solutions Inc. (CO)

Experian and XXXX are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (UT)

Waypoint Resource Group is reporting an old account on my credit file that I would like removed. I have settled the debt with them and ask that this account is removed from my credit file. Under the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to remove any account since you are the original furnisher. I have settled the debt with you and am now asking you to provide a letter to the bureaus stating this account should be removed from my credit file. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... ..The credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX   and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is  complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX - XXXX Mobile : XXXX Email : XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Team, I am writing to dispute the hard credit check done on XX/XX/2022 on behalf of XXXX bank XXXX 
Below is the complete details. 
I have bought XXXX XXXX on XX/XX/2022 from XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX - XXXX ). I was told by sales person, if I apply for a XXXX XXXX store card I can get 10 % off of my purchase. 
I enquired about the same and asked about the credit check which it will go through. I was told, it will be a soft check and its a simple store card not a credit card. 
After that I provided all the details to sales person and he ran my details through the system but while accepting the card when I saw it is not a store card but a XXXX bank credit card. I declined the offer and paid in full without taking any kind of rebate. 
But, by then Equifax ran the credit check and it was a hard check on my credit. 

I am sending document from XXXX bank which shows I dont have any account or credit card with them also I asked them to close any application which was created on XX/XX/2022. 

Also I am sending you purchase receipt from XXXX XXXX which shows I have paid in full and I did not accepted any credit card on XX/XX/2022. 

Your help will be deeply appreciated, Please let me know if you need more details from my side Sincerely yours, XXXX XXXX
Consumer complaint received 2022-01-22
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. (CA)

Sir or Maam We were reviewing Experian Credit report and filed a dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$19000.00}. Inaccurate. 
Our Line of credit balance is {$1500.00}. with credit limit if {$3000.00}. 
Concern this adversely affecting our credit score, which needs be accurately reflected.
Consumer complaint received 2019-08-07
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-03-13
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: ACIMA CREDIT, LLC (VA)

XXXX XXXX shows a {$6100.00} account with Acima Credit in Utah on my report that I have no knowledge, never authorized, and did not open or obtain. I noticed this in XXXX, XXXX, after the account was opened on XX/XX/XXXX. 

Opening this account reduced my XXXX XXXX score by about 60 points. 

I have filed complaints directly with XXXX and Acima and neither seems willing to correct this. Acima has been slow dealing with this and give the impression they do not care or believe me with my complaints. 

As they instructed, an Identity Theft / Fraud report has been filed with the XXXX XXXX Virginia Sheriffs Dept regarding this. XXXX XXXX is the officer handling this matter. Acima has been provided with a copy of that report. It has been redacted in accordance with Virginia Statutes of personal information not relevant to Acima by the Sheriff 's office. Acima does not accept this as sufficient information. 

As of today the false account is 30 days plus overdue and it has caused my credit score to fall by about XXXX points in addition the prior decrease. From what I see on XXXX the first due payment on the account was never made.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NC)

I paid on this account, and it did not report to any of credit agencies that i made a payment, but did report negative information, XXXX acct number Jpmcb account /chase, I have disputed 4 times that i have made a payment and You have not updated my account. I have copied a screen print of me paying the account, THis would have moved my credit and showed that I had paid on this account like I told my potential employer I would. It did not reflect after 3 tries and they did not give me the job. The job was {$98000.00} a year. I am now headed to my lawyers as you will be one of the parties directly liable for me not obtaining my job. I have requested you take JPmcb off of my report because they are not accurately reporting my payment for the 3rd request. Please take them off of my report asap or I will have to get a lawyer for recourse. Thanks My number is XXXX
Consumer complaint received 2022-03-13
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. (IL)

The following information is what I sent XXXX and now the consumer reporting agencies. I am requesting the consumer reporting agencies update the payment history on the XXXX accounts to reflect on time payment history and to mail my complete file pursuant to 15 USC 168a ( g ). 

This complaint is for XXXX XXXX XXXX XXXX ( XXXX ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts XXXX XXXX XXXX XXXX continues to report knowing that information is inaccurate and not reportable by Law. XXXX is infringing on my right to credit. XXXX is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to XXXX and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. XXXX has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the US District Court is needed to be filed.
Consumer complaint received 2021-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to have information in my file deleted IMMEDIATELY. I was notified today that the errors were resolved when in fact they were not there are still error on these same accounts that they stated were fixed and they yet once again are not and here I am once again wasting my time and money trying to get this resolved. I am so tired of having to dispute and go back and forth with the credit bureau and there still be information wrong. I am done with disputing these XXXX accounts and all of the inaccurate information that is on it. I have been trying for months to get ALL of the inaccurate information on this account fixed I have even disputed it though this XXXX AND THE CFPB already and everything once again was not fixed as it should have been. At this point I would like for these accounts to be removed that are listed above from my credit report because that is the only thing that can be done to satisfy me at this point. I have tried countless times for this to be fixed. It is against the law for you to keep having all of these inaccurate information on my credit file and it is unfair. Just delete the accounts to resolve this situation. 

How is it possible for me to go straight to 90 days late in XX/XX/2019 then go straight to 120 days late in XX/XX/2019 then 150 days late in XX/XX/2019. This pertains to just about all of the account. I can not be on time one month and then 90 days late the next month it doesn't make sense.
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (CA)

Got a phone call and they offered to lower my interest rate. He asked for my credit card information. They hung up after I gave them a false credit card number. XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I emphatically request that you refrain from adding this to my credit report. It does not belong to me and seems to be fraudulent. Please take the necessary steps to rectify these erroneous accounts.
Consumer complaint received 2023-03-08
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. (NJ)

On XX/XX/XXXX a fraudulent inquiry was made on my behalf from XXXX XXXXXXXX the same incidents occurred on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-11
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. (CO)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics. I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX acc # XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2021-08-25
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. (AZ)

On XXXX Disputed this account I have no knowledge of. I have disputed online, mail, phone and also have a dismissal letter I sent a never served or informed of any courtdate. They have yet to even respond other than expierian saying they validated the debt but how? And where are my copies?
Consumer complaint received 2021-05-12
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: Experian Information Solutions Inc. (AL)

I am writing to have information in my file deleted IMMEDIATELY. I was notified today that the errors were resolved when in fact they were not there are still error on these same accounts that they stated were fixed and they yet once again are not and here I am once again wasting my time and money trying to get this resolved. I am so tired of having to dispute and go back and forth with the credit bureau and there still be information wrong. I am done with disputing these XXXX accounts and all of the inaccurate information that is on it. I have been trying for months to get ALL of the inaccurate information on this account fixed I have even disputed it though this XXXX AND THE CFPB already and everything once again was not fixed as it should have been. At this point I would like for these accounts to be removed that are listed above from my credit report because that is the only thing that can be done to satisfy me at this point. I have tried countless times for this to be fixed. It is against the law for you to keep having all of these inaccurate information on my credit file and it is unfair. Just delete the accounts to resolve this situation. 

How is it possible for me to go straight to 90 days late in XX/XX/2019 then go straight to 120 days late in XX/XX/2019 then 150 days late in XX/XX/2019. This pertains to just about all of the account. I can not be on time one month and then 90 days late the next month it doesn't make sense.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am on a hardship program with XXXX XXXX for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX  XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. Experian will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! Experian, XXXX XXXX or XXXX  refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. Experian does not answer any calls for me to contact them.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I began corresponding with XXXX XXXX a manager with National Credit Systems , Inc around XX/XX/2021. This is the time I became aware of a collection on my credit report for an apartment rental in XXXX, TX. The apartment was rented in my name when I lived in XXXX, California. 

I contacted National Credit Systems via telephone and Mr. XXXX returned my call. He emailed me a fraud affidavit to complete and return to him, which I did. On XX/XX/2021 he acknowledged receipt of the completed fraud package. On XX/XX/2021 Mr. XXXX advised me via email that the investigation could take up to 30 days to complete. After receiving another call from National Credit Systems regarding a payment for the debt, I again contacted Mr. XXXX via email asking why his agency was still contacting me for payment. He responded with an email on XX/XX/2021 stating that call was to inform you of the confirmation number for the credit removal. We processed the request for removal please refer to ( AUD # XXXX XXXX as confirmation. 

The collection item was removed from my XXXX  and XXXX  credit report but continues to be reported as accurate on my XXXX  credit report. I have disputed this item three times with XXXX  and every time the dispute has been completed as verified consumer debt. 

I reached out to Mr. XXXX on XX/XX/2021 via email informing him that XXXX  was still reporting this debt on my credit report. He responded on XX/XX/2021 asking for a copy of credit report that still shows the debt. I complied and emailed him a screenshot of the debt listed on my XXXX  report. Mr. XXXX has not responded since that date. I have emailed him several times since requesting an update on removing this item from my XXXX report. 

XXXX  has show no regard for my health and well-being. I have submitted to XXXX  the completed fraud affidavit and the email correspondence from Mr. XXXX but they have three times verified the debt as mine.