davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Skopos Financial, LLC (DC)

Due to the Covid Pandemic XXXX my employment status changed and was unable to keep up with payment on the vehicle and the car was picked up from my home XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and auctioned on XX/XX/XXXX in the amount {$10000.00}. Per XXXX ( male ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX whom I spoke with on XX/XX/XXXX @ XXXX. I asked why is this a Charge Off in the amount {$23000.00} and written off {$19000.00}, however XXXX is still charging me late fees and negative and incorrect information to the credit bureaus causing scores to drop. I also was told to email the specials team with this matter at XXXX for further questions and concerns.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

XXXX of 2021 after I turned XXXX, I discovered that someone has been using my identity to create accounts and I have collections and inquiries on my reports. I have reached out to all XXXX companies and provided all of the documentation that they requested and it has been over 30 days and they have not removed any of the information. There was however a security lock placed on my account asking to call a number first before extending credit and the number is not mine so whoever stole my identity is still using it. I need these credit companies to clear my record and stop reporting false information. 

They have done nothing but help the actual fraudster yet I've submitted my social security car, my birth certificate, my police reports, pieces of mail, and my ID. I do not know what to do and they are of no help to me and I do not want to start my life in the hole because companies decide to report on me w/o verifying anything. There's a direct tv account and XXXX car collections and XXXX inquiries, I wasnt old enough to do any of this. 

I need this remedied immediately. What can I do? Can I sue the credit companies?
Consumer complaint received 2020-11-01
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: EQUIFAX, INC. (NY)

In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from XXXX. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (HI)

I began calling Nissan back in XX/XX/XXXX when I fell behind on my payments due to Covid. Unfortunately I was never able to reach a representative,. After many failed attempts, I finally sent them a certified letter on XXXX XXXX requesting direction and offered to continue making my payments. According to my credit reports, the loan now reflects a higher balance, late payment history and that the account was charged off and allegedly sold to another party. On XX/XX/XXXX Nissan responded to my letter claiming they are unable to locate my account? How is this possible when they continue to verify the disputed information with the credit bureaus. On XX/XX/XXXX I sent another certified letter to Nissan demanding resolution. Nissan has failed to respond.

I have been denied the opportunity to resolve this account which is continuing to have an adverse impact on my credit rating. I still have the vehicle and I am willing to honor my loan payments. I am respectfully requesting that your office require Nissan to respond and offer a amicable resolution which include correcting my credit reports.
Consumer complaint received 2020-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

{$2800.00} XXXX XXXX transfer XX/XX/20 Cancel XX/XX/20 called bank XX/XX/20 XX/XX/20 Call bank 20 times Reason mom gave me the cash for the XXXX I didn't know she was coming to do that ... please help Try to Pick up can't because it was a refund and ID was stolen and I have it now ... please give it back I have no grocery and I'm homeless ... I just lost my house to day I cancelled the money transfer because no ID ..at the time I been emailing corporate and call for 3 weeks. I will submit pictures of the email also 5 different times I been waiting to talk to someone I just get hang up on im very confused the bank is treating me like XXXX. Also some girl was laughing when I said I will be home less Bank of America
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (OH)

The Status on these account were corrected, but the PAYMENT HISTORY was NOT!!! Please correct this payment history as it's incorrect. Please provide PHYSICAL Proof if you feel these account were late as they were not.

14 Accounts with the same account number : 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 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

i had a chase credit card and went through some financial hardship during my last year of school in the beginning of XXXX. i have had a great relationship with chase for XXXX years and XXXX years of great credit history. i had the account closed and sent to collection which i have now settled and cleared with the bank in XXXX this year. i want to start building a relationship with chase again.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is remaining inquiry that is reporting on my Credit Report : XXXX NA Date of inquiry XX/XX/2021
Consumer complaint received 2020-11-01
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)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-11-01
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. (NJ)

I submitted a request to the Mortgage company and to all three credit reporting agencies to fix the credit report status of the home mortgage loans. I have been in forbearance status since XX/XX/2020 due to Coronavirus. I have been unable to receive a much-needed loan to help my XXXX  due to this reporting being negatively listed on my credit report. I have reached out every month to get this fixed with no results. I have requested my report to be correct numerous times. I was denied SBA loans because of these negative reports.
Consumer complaint received 2020-11-01
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (TX)

I recently checked my credit reports and I saw so many inaccuracies that do not match the records I have been keeping for several years. I noticed accounts that are reporting late payments and I have never been late on any payments. I also noticed accounts that were considered charged off or written off on taxes of these companies are still reporting late payments unethically.
Consumer complaint received 2020-11-01
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. (KS)

In XX/XX/XXXX, my wife and I filed for bankruptcy Ch-XXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (FL)

On XXXX XXXX, 2017 a collection account was added to my XXXX credit report. The collection company shows as Midwest Recovery Systems, the original creditor shows as XXXX XXXX XXXX. I do not recognize either of those companies and I have not received any information in writing from them regarding this account. It shows that it is a medical and it 's for {$1600.00}. I have no been to any doctor within the last six months so I have no idea where this is coming from. I tried contactics the company ( Midwest Recovery Systems ) by phone and was told they could not look it up by name and that they want my social security number. I refused to give them my social security number and they disconnected the line. So I sent a cease and desist email to Midwest Recovery Systems. They have responded again asking for my social security number. My address is correct on my credit report yet I have received nothing from them. I believe this account and company to be fraudulent. I want to have this removed from credit report. They have not proven this is my account.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

Experian and XXXX  still have not deleted my public report that is fraud and not mine. As you can see, XXXX  deleted this as I provided them information that this is NOT mine. 
Experian and XXXX  continue to say its " verified '' so I sent a MOV letter but they have provided no documentation besides that it was verified. 

Experian and XXXX need to delete this as this is NOT mine and XXXX  does not have this on my credit report as its not mine.
Consumer complaint received 2020-08-31
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (NE)

I applied and got approved for a discover credit card account XX/XX/2020, thereafter, upon the company 's request, identity verification documents and forms were requested in order to proceed to open the account. On XX/XX/2020, I faxed the documents which I later found out they were denied because they say the fax documents came back to dark to read. So I decided not to proceed with activating the account. 
On XX/XX/2020, I recieved a letter from Discover saying that they were unable to successfully complete the application review and process until the verification documents were complete which they failed to do so. 
On XX/XX/2020 I recieved another letter notifying me that my account has been closed because my personal information was unable to be verified yet instill the account is listed on my XXXX  credit report account as active as the account was never even activated. 
Today, on XX/XX/2020, I called Discover to ask them to remove their account form my report and they told me that it could remain on my credit report for 10 years when usually when a credit report account has been cancelled or closed, the account information is removed immiedately. 

When this account account was never even activated
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In 2016 me an my wife were defrauded. Bank of America didn't really care what happened and still reported us to XXXX XXXX created a real hurdle for us to find another bank account after the scam forced us into bankruptcy. Not sure if we can make a case to sue them so doing everything I can to find justice by other means.
Consumer complaint received 2021-04-08
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)

I submitted a complaint on XX/XX/2021 to CFPB regarding EquiFax not removing unauthorized inquiries from my credit report. The Complaint ID was XXXX. EquiFax Response was : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' I have taken a screenshot of their response via mail regarding this matter and it clearly stated that " The results are : Inquires are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. '' EquiFax is the CRA and never sent my disputes to the companies inquiring my personal information, unauthorized. XXXX removed them promptly after they investigated and couldn't verify. See Screenshot below of EquiFax, clearly stating they didn't investigate but instead told me to call the creditors. By law you are suppose to investigate any inaccuracies that you are reporting on my reports. Next will be a summons to court in my local venue if you do not fix this matter promptly.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

*****Hello, My name is " '' '' '' XXXX XXXX '' '' ''. I have tried to correct my credit report over the past 2 years but none of it works. I notice that all of the employment information and some of the addresses that are listed in my **credit report***. There are also several incorrect information that exist in my credit report that not belong to me or any of our XXXX. I really demand to have all of these information clear off my credit account. Here are the addresses and employment information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & *EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX   ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **************************
Consumer complaint received 2022-04-08
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-26
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. (NE)

XXXX XXXX XXXX is reporting a fraud account on my credit in the amount of {$1600.00}. This is not my account and is the result of identity theft. This is a violation of the Fair Credit Reporting Act and needs to be removed from my credit immediately. This is also a medical bill and a violation of HIPPA. This needs to be removed immediately before I take legal action.
Consumer complaint received 2020-11-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.