davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (FL)

This is about XXXX and XXXX reps for cnac aka jd byrider. They call after and before collection hours are rude use foul lange and threaten me. They call text and email myself and the co buyer on the loan. They have even taken an unauthorized payment from an accou t that was not mine and then reversed it because it was not authorized. This company sold me a car that gas no air needs to be jumped everytime and then continue to harass me.
Consumer complaint received 2022-09-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (MD)

In XX/XX/XXXX, I inquired with XXXX XXXX ( my mortgage lender at that time ) regarding a forbearance under the CARES Act XXXX in anticipation of my wife being XXXX XXXX in XX/XX/XXXX. I was not aware that during my inquiry it was the beginning of my forbearance as I was not informed by the representative and I just made my XX/XX/XXXX payment. I was informed that my loan terms will resume after 12 months of forbearance with my missed payment added in the back end of the maturity term. For the next 12 months starting in XX/XX/XXXX, I was in forbearance with XXXX XXXX  After the 12 months period, I was informed by XXXX XXXX to resume my payment on 1st of the month under trial payment plan for 3 months ( XX/XX/XXXX- XX/XX/XXXX ). I was confused by this but complied with their trial payment plan. After making my first payment in XX/XX/XXXX, I received a letter stating that my loan was transferred to LoanCare , LLC. I called LoanCare , LLC to make a payment per XXXXXXXX XXXX unwritten term. LoanCare , LLC stated that they will rectify any issues that XXXX XXXX made as soon as they receive all the records. I continued to call every month to request a status of my request of Partial Claim under the VA Partial Claim Program. LoanCare , LLC continued to inform me that they do not have the complete records. LoanCare , LLC received my records in XX/XX/XXXX which at this time the lender informed me that they are still working on my request. This same information was relayed to me as I call in every month to make my payment. It was at the end of XX/XX/XXXX when I called to make my XX/XX/XXXX mortgage payment that they informed they did a Loan Modification. The Loan Modification is not a Partial Claim that I have requested despite of them stating that I was not approved for Partial Claim. I have called the VA in which LoanCare , LLC reported a forbearance requests ( which was approved ) from XX/XX/XXXX - XX/XX/XXXX. This forbearance was NOT requested by me as I made my monthly payment. LoanCare , LLC also reported to the VA that a loss mitigation letter sent to me in XX/XX/XXXX, which I never received because they kept stating they do not have ALL my mortage records from XXXX XXXX ( previous lender ). Also, LoanCare , LLC did NOT apply for a VA Partial Claim on my behalf as they informed me I was not approved. The Loan Modification terms is resetting my remaining 25 years back to 30 years, and my rate of 2.75 % ( which I purchased a few years back ) is increased to 3.50 %. This is not the terms that I was informed and agreed with XXXX XXXX  under the CARES Act of XXXX forbearance of VA Loan. This loan modification of LoanCare does not lower my monthly payment which is what a loss mitigation supposed to be. All it does is that it resets my loan terms and increase my monthly payment from my original. I have asked LoanCare , LLC to process and submit a VA Partial Claim which they have not.
Consumer complaint received 2020-07-21
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. (GA)

I had an account on my report by the name of XXXX XXXX XXXX. The account was bought out by XXXX XXXX XXXX. XXXX sent me a letter saying they have closed the file and terminated collection action which means the entire account should have been removed from my credit report. XXXX no longer shows on my report, but XXXX does. If XXXX bought out the account and removed it, the entire account should have been removed. I have sent them 2 separate certified letters on XX/XX/2020 and XX/XX/2020 and disputed this item multiple times with no resolution. They will never send me proof of my signature on the account or any type of verifiable proof like I requested in my dispute. All they keep saying is the account is updated and the account looks exactly the same. I have also received a letter from XXXX also stating they are no longer servicing action on the account.
Consumer complaint received 2018-06-01
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. (TX)

Placed initial fraud alert with Experian. Received letter from Experian with phone number to call to get complimentary credit report. Phone number has automated message with no option for complimentary report, only option is to purchase for {$12.00}. Tried Experian website to get fraud alert related complimentary credit report -- no option there either. All phone numbers I could find to Experian had the same automated message, no option to get credit report except pay {$12.00}. I thought placing fraud alert includes free copy of credit report?
Consumer complaint received 2020-08-20
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)

I AM VICTIM OF AN IDENTITY THEFT WHICH MEANS SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT WITH MY ID AND SOCIAL. THE ACCOUNT AND THE CHARGES ARE NOT MINE, I NEVER REQUESTED THIS ACCOUNT TO BE OPENED, I NVER USED THIS ACCOUNT AND THE PAYMENT MADE ON THIS ACCOUNT ARE NOT AUTHORIZED BY ME. I AM VICTIM OF AN IDENTITY THEFT. I DON'T KNOW THE NAME OF THE PERSON WHO DID THIS, OTHERWISE I WOULD REPORT THEM AS WELL.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (TX)

I have received my XXXX XXXX report and see that Factory Trust has pulled my report multiple time without my consent, I have never applied for any of these companies. 
1. XXXX XXXX XXXX 2.XXXX XXXX   3.XXXX XXXX
Consumer complaint received 2020-05-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DEPT OF EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-05
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: AMERICAN EXPRESS COMPANY (CA)

My credit sore is XXXX and I have one or 2 things in collection every time I run my credit or apply for something I get turned down They say because Derogatory inquiries in serious delinquency
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX.issued me a prepaid XXXXBank of America credit debit/card in XX/XX/21 card # XXXX for {$150.00} for a failed refrigerator ( for food spoilage }. I misplaced the card, and never used it until XX/XX/21 when I tried and it had been cancelled by BOA Credit cards. I contacted BOA and they indicated they would send me a check for {$150.00} in 3 weeks. I never received the check and I contacted them yet again. They then said they would not send a check or new card and could not tell me where my money went. They basically Stole my money and it is not their money. I contacted XXXX XXXX and they could do nothing since they gave the money to BOA to purchase the card. This is a good example of corporate fraud and deceit. I spoke to a supervisor and a manager at BOA to no avail. Thank you for your help and service. I am an XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your service and help. 
XXXX XXXX
Consumer complaint received 2020-08-23
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. (NY)

Good afternoon, Five years ago, I did take out a loan with Credit acceptance. Unfortunately the past two years, I have had significant health challenges that led to my need to create payment plans. There were several times that I spoke to credit acceptance and the representative did in fact say that as long as the payment plans were in place, I would not have a mark on my credit. However, upon reaching out to the XXXX, the representative in compliance, better known as " Z, '' called me. She was extremely abrasive and informed me that she would not review all of the calls and would not make any changes. Additionally, she said that she didn't believe that the XXXX dispute said that the company would make changes. I know that this company is a sub prime lender but at the time, I was in college and needed the loan. Please help as this is the only thing that is derogatory on my credit.
Consumer complaint received 2020-07-21
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. (NC)

I have tried to communicate with equifax regarding my credit report. They have so much missing and outdated information on my report and it is causing my cc companies to lower my limits. They are saying I have no real estate loans, car loans, credit cards or any debt at all. I have real estate, car loans, and credit cards which is not being reflected on report.
Consumer complaint received 2022-09-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (MN)

Contacted Company about reporting account that was XXXX in bankruptcy 12 years ago. Randomly in XX/XX/XXXX they started to report it on my credit reports even though it was never reaffirmed. They stated a supervisor would call back but never did. Filed disputes with 3 major reporting agencies and results have been " they say it's accurate '' even though I included copies of bankruptcy ( XXXX ) and discharge ( XXXX ).
Consumer complaint received 2022-09-14
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. (DE)

My consumer rights have been violated by XXXX XXXX XXXX XXXXXXXX. Pursuant to 15usc 1692 ( h ) they are reporting multiple debts on my credit profile. 15usc 1692 ( f ) unfair practices, 15usc 1692 ( g ) there was no validation of debt, pursuant to 15usc 6801 the company violated my personal information. Also sharing my information without my direct consent.
Consumer complaint received 2022-09-14
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. (DE)

My consumer rights have been violated by XXXX XXXX XXXX XXXXXXXX. Pursuant to 15usc 1692 ( h ) they are reporting multiple debts on my credit profile. 15usc 1692 ( f ) unfair practices, 15usc 1692 ( g ) there was no validation of debt, pursuant to 15usc 6801 the company violated my personal information. Also sharing my information without my direct consent.
Consumer complaint received 2020-07-21
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 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 XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, CHILD SUPPORT ENFORCEM # XXXX, CHILDSUPPORT # XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Consumer complaint received 2022-09-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-07-03
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: EQUIFAX, INC. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have obtain a copy of my credit report and the information contain on the report have major inaccuracies. I am demanding that you correct them immediately on my credit file. The following accounts/ items has been reported as late payments and according to FEDERAL LAW 15 USC 1681 ( A ) ( 2 ) ( I ) ( I ) ( A ) ( I ) States that information regarding transaction is not to be included on such CONSUMER REPORT.. Therefore you are in VIOLATION OF THE FEDERAL REPORTING ACT by reporting such transactions.. 

Please update my file to current never late. Please update my file within 5 days of receipt of this Correspondence or I will be seeking monetary relief for actual damages for WILLFUL NONCOMPLIANCE Accordance to the 15 USC 1681 ( N ) OF THE FCRA I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt.nor therefore any such debt, in fact therefore exists
Consumer complaint received 2021-07-16
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

review the following accounts that appear on my credit report, do not belong to me, and are hurting me Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-07-21
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. (FL)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 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 XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX   XXXX XXXX XXXX XX/XX/XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Consumer complaint received 2020-07-21
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. (AR)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.