davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Credit Acceptance has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the XXXX month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX  as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.
Consumer complaint received 2022-07-20
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. (PA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2021-04-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

On XX/XX/2020, in response to a solicitation from Citbank, I opened a Citi Miles Ahead Savings Account with a deposit of {$200000.00}. The offer presented stated that I would receive XXXX XXXX XXXX frequent flyer miles after I maintained this balance for 90 days. Obviously much more time that that has gone by, but the miles have not been issued to me. 

I attempted to discuss this on multiple occasions with the bank 's customer service team by phone. Each time, I either received a runaround, misinformation or instructions to call another number or to call XXXX XXXX directly. The last two times I was simply cut off. No one has given me a straight answer, nor advised me why these miles have not been awarded. 

Citibank has no method of communicating by email. I sent them a letter to their client service center in XXXX XXXX outlining the situation on XX/XX/XXXX, but received no response. 

I don't want to withdraw the money because I'm afraid they won't issue the miles to me, but the bank has had {$200000.00} of my money for over 5 months and I don't know what to do.
Consumer complaint received 2019-08-21
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: JPMORGAN CHASE & CO. (VA)

Please review your letter dated XXXX.XXXX.XXXX (attached here).Kindly request to remove hard inquiry from my report to those credit bureaus which were reported by yours in XXXX.
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (MA)

HAPPY XXXX AND HAPPY HOLIDAYS! and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

I already reached out to the credit bureaus and to the following company to notify them of their errors. THE MERCHANTS CREDIT GUIDE ( account # 's XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) and XXXX XXXX XXXX ( account # XXXX ) ARE MEDICAL DEBTS THAT SHOULD BE COVERED BY MY HEALTH INSURANCE. It should be noted that I have nothing to do with this being paid late and worse, allowed to go into collection. Continued reporting of these inaccurate and UNVALIDATED debts is considered a collection attempt. Stop this harassment.
Consumer complaint received 2018-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IN)

I've requested multiple times to remove my PMI with Freedom Mortgage. I'm well under the 78 % Loan to Value requirement and it's been two years. I bought my home in XX/XX/2016 and it was in slight disrepair for {$220000.00} and have since made improvements. Even the appraisal at the time was {$240000.00}. I've since added a home equity through another company. The company did a full appraisal. Since then, I've sent this appraisal to Freedom Mortgage and they refuse to remove my PMI unless I buy and appraisal from them for another $ 400+. This is completely unreasonable. There is plenty of ebeidnce available in the market to show that my value is at least the {$260000.00} needed to remove PMI. Full appraisal from new company came in at {$280000.00}. This kind of practice needs to stop for good borrowers.
Consumer complaint received 2023-01-18
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. (MI)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

So there Is somebodys bail bonds debt from XXXX not mine and they keep putting it on my credit threw various corporation and the credit bureaus are letting them do it it was put on the credit bureaus in XX/XX/XXXX and now here we are in XXXX same debt reported from a XXXX account the company is XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX ca XXXX and also XXXX XXXX XXXX. XXXX XXXX XXXX as California law states under section 337 of California code of civil procedure written contracts have a four year statue of limitation plaintiff must sue the defendant within four years of the alleged breach of contract ... ..also account isnt mine nor has it ever been Ive told them this it was identity theft someone stole my identity and also used it the amount of debt was {$5500.00} and is now at {$7800.00} and account number is XXXX they are committing a serious offense and equifax and XXXX  are letting this happen the debtor is XXXX XXXX which was also reported to my credit
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX, I received a notification via email from XXXX XXXX that a collection account could be adversely impacting my credit score. I immediately initiated a dispute with all three credit bureaus as I felt I was the victim of fraud. On XX/XX/XXXX, I received notifications Transunion and XXXX that the collection account had been validated as belonging to me which I continue to dispute. XXXX appropriately deleted the record. On XX/XX/XXXX, I initiated contact with the collection agency identified as XXXX XXXX at ( XXXX ) XXXX. Their automated system said they recognized my number and that they no longer had my account and I needed to contact XXXX XXXX XXXX XXXX directly. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX  at ( XXXX ) XXXX and spoke to an agent who looked up the account using my social security number and advised there was a balance of {$210.00}. He stated that the account was opened in a retail store on XX/XX/XXXX, using my name and social security number. I asked him what documentation XXXX XXXX XXXX had used to validate the identity of the person who opened the account, and he could not tell me that. He advised that he could not tell me the location of the store but provided the account number ( XXXX ) and the mobile number XXXX. I asked him to provide the mailing address on file and he said he could not provide it ; he could only validate it at which time I recited my home address and he said it was not. He instructed me to initiate a fraud claim online at www.attfraud.custhelp.com. Upon initiating that process, I learned that XXXX XXXX XXXX  requires that a police report be filed which I did. 

I also learned that XXXX XXXX XXXX XXXXequires that I download and complete a XXXX form and have it notarized just to initiate a fraud claim. 

It is the debt collector 's responsibility to prove that the debt is mine. It is not my responsibility to prove that the debt is NOT mine. 

XXXX XXXX XXXX, Transunion, and XXXX are all mishandling this situation as they have not properly validated that the debt is mine by providing documented proof of identification associated with the account and it should have been immediately removed from my credit report and not substantiated as a valid debt.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA may be deliberately violating its recent Consent Agreement with the CFPB by not properly investigating DISPUTED credit card charges, refusing to show when consumers timely dispute credit card charges, and engaging in unfair collection of fees and adverse credit reporting intentionally violating federal consumer protection law. 

Relevant details are described herein :
Consumer complaint received 2021-05-02
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: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I have sent my first letter regarding invalid and unapproved things on my credit report. As of today, I have tried calling, sending a second letter on XX/XX/XXXX, as well as disputing items on Experian 's and XXXX XXXX websites. It has been over 60 days since submitting my first letter to Experian and XXXX  and I have not received a response to my request to remove all invalid and unapproved items that are causing me stress, anxiety, and worry. I feel that Experian has violated my rights according to 15 U.S.C. 1692g, U.S.C 1691e ( b ), 15 U.S.C. 1681. I would like Experian and XXXX to look into these items that are incorrectly showing on my created report as soon as possible. I am asking that these items be removed from my credit report as I will be seeking litigation to protect my rights. I would also like an updated copy of my credit report with the removed items to be mailed to my home address.
Consumer complaint received 2019-08-21
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. (GA)

XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXXXXXX,XXXX currently on my report from this school. I do not owe this amount. As a single XXXX, I would never borrow this type of money. I could have gone to XXXX XXXX XXXX or even XXXX and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!
Consumer complaint received 2022-01-10
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. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-10-25
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. (TX)

Since XX/XX/2021 to present date XXXX and Equifax are reporting inquiries and accounts that I do not consent to, authorize, nor have I benefited from. I have contacted the consumer reporting agencies and creditors to investigate this fraud and remove the inquires and accounts. I had been successful in removing several of these fraudulent accounts and inquiries but have not been successful in eliminating them all. I have called numerous times to the consumer reporting agencies and the creditors in question. I have also written to the consumer reporting agencies with proof of my identity, to request that the remaining fraudulent accounts and inquiries be investigated and removed. The most recent response I received back from the consumer reporting agency stated they would not be removing the inquiries and will continue reporting for 2 yrs. 
Between Equifax and XXXX I have 16 inquiries being reported that I do not consent to, authorize, nor benefit from. These fraudulent inquiries and accounts have put undo stress on myself and my family, defamation of my character, and credit slander. 
At no time did I give written instruction to the above consumer reporting agencies to report on my behalf. Pursuant to15USC1681b ( a ) ( 2 ) Permissible Purpose and 15USC1681 ( a ) ( 4 ) Accuracy and fairness, I am requesting the immediate deletion of the fraudulent inquiries being reported by XXXX :. 
The following ( 9 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUITY LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the the immediate deletion of the fraudulent inquiries being reported by Equifax : . 
The following ( XXXX ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX - x2 inquires with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported the identity theft thru FTC
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (GA)

I have tried repeatedly to establish an online account with my chase credit card, and have been unsuccessful. My account is locked, and tonight I called to unlock. The number I called to unlock said that there was a " greater than 50 minute wait. '' I called the main number, spoke to three different people was transferred four times, and remained on hold well over 30 minutes. I had to eventually hang up. I would like the credit card company to contact me so I can unlock my online account.
Consumer complaint received 2021-11-03
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. (NC)

I am a victim of identity theft, the following information is reporting to my credit report is information that i have no relation too. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that i owe a debt or consented for them to run my credit report. The following information is fraudulent. XXXX ( {$3600.00} ) # XXXX, XXXX XXXX ( {$110.00} ) # XXXX, XXXX XXXX ( {$44000.00} ) # XXXX, XXXX XXXX ( {$180000.00} ) # XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/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  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-29
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXXX Balance {$5700.00} XXXX XXXX XXXX Balance {$280.00} Individual : Bankruptcy XXXX XXXX Reference Number XXXX Date Filed XXXX XXXX, 2012 XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.