davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MO)

In XXXX, I purchased a car with CAR HOP ( Universal Acceptance CORP ) that I voluntarily returned. Carhop ended up selling the account to XXXX XXXX   XXXX  which resulted in me having to go through XXXX to pay the debt off. XXXX and I settled on the debt, and I paid the FULL amount of the collections account on XXXX ( LETTER OF PROOF ATTACHED ). I contacted XXXX XXXX  XXXX  to remove the collections account on my credit report and they happily did so, since the debt was paid off. 

( COPIES OF GOODWILL LETTER, XXXX PROOF OF PAYMENT LETTER, AND COPY OF CAR HOPS REFUSAL LETTER ATTACHED ) On XX/XX/XXXX, I wrote a letter to Car Hop, because they were still reporting a delinquency to the credit bureaus, and had the audacity to update the account which will now will result in having this account stuck on my credit report for another SEVEN YEARS. I sent them a goodwill letter asking them to remove the account that they were reporting, and also provided them with proof that I had paid the debt off. They wrote back saying that they are refusing to do so. I shouldn't have to suffer from something I did when I was a teenager. I paid the debt off, sent a goodwill letter, and yet they still refused to delete the account, only updating the account to report inaccurate information. Now i understand why they were penalized by CFPB in XXXX because they're consistently known for jeopardizing consumers credit reports. 

This account was originally added to my credit report in XXXX. Its now XXXX, SEVEN years from now, which means this account would have naturally fallen off this year. But they decided to update it, even though they sold the debt. A deletion would be a fair solution.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE (CA)

XXXX XXXX XXXXXXXXXXXX  Balance {$0.00} GOLDEN 1 CU XXXX  Balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by ( date ), then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Consumer complaint received 2021-02-23
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. (CA)

XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXXXX Balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC (IA)

Mountain Run Solutions, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Respected WellsFargo officials, As per our discussion, even though you mentioned that actual money was withdrawn only on XX/XX/XXXX, As far as i can see, the transaction was initited on XXXX XXXX and money was obtained by XXXX immediately. So there is no chance that XXXX paid for my transaction and claimed it on next day. 

Thanks XXXX On XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX wrote : Snce my account address is in California which works on XXXX, I am paying wellsfargo for low daily balance. 

XXXX XXXX : Wells Fargo XXXX Name on XXXX XXXX XXXX Payment account XXXX XXXX  ... XXXX Amount {$12.00} Send on XX/XX/XXXX Deliver by XX/XX/XXXX Memo ( Optional ) Fees low balance on XX/XX/XXXX XXXX characters remaining. 
Confirmation XXXX On XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX wrote : Following is time stamp in IST when XXXX  received the money from WellsFargo. 

Money received ( # XXXX ) XXXX  XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX  This message contains blocked images.Show images orAlways show images On XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX wrote : I am pasting the emails so that time stamps when money transfer was initiated are corrected. Time stamps on the main header is in XXXX. 
Time stamps in XXXX banner within the email are in Eastern time zone in XXXX. 

Completion : XXXX Investments XXXX Unsubscribe Tue, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me XXXX XXXX : XXXX sent XXXX XXXX XXXX XXXX Tue XX/XX/XXXX XXXXXXXX XXXX XXXX Initiation : XXXX XXXX XXXX Unsubscribe XXXX, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me XXXX XXXX : Electronic Funds Transfer Initiated XXXX XXXX Subscription Alert XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrote : Respected Officials, Following up on this, I received XX/XX/XXXX statement from WellsFargo, that no fees was charged for this. I don't know if debit card transaction will be settled on next day. I have'nt received any response from WellsFargo. I initiated the money transfer around XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( i.e XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 

I brought in money from XXXX to bring balance back to above {$500.00} on same day in XXXX. But as per XXXX, the money transfer from XXXX completed next day. 

Thanks XXXX
Consumer complaint received 2021-04-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: DYNAMIC RECOVERY SERVICES, INC. (NM)

On XX/XX/XXXX, I received your response to my request for letter of validation sent XX/XX/XXXX. I requested for Dynamic Recovery Solutions to provide me with Validation of this debt. D.R.S. ignored my request of information validating that this debt belongs to me. I'm respectfully informing Dynamic Recovery Solutions I did not recall owning the allege debt to a XXXX  XXXX XXXX XXXX. Therefore, is the reason on XX/XX/XXXX I requested for them to provide me with specific information validating this debt. Information D.R.S. did not provide me with as requested in the first letter is. 
Provide me with copies of all XXXX Contracts XXXX that show I agreed to pay what you say I owe. 
Prove the limitations has not expired on this account. 
Proof that you are license to collect in the XXXX of New Mexico. 
In addition, considering this to be a medical debt, I do not understand how Dynamic Recovery Solutions obtained a medical Statement of Account showing medical treatment provided to a XXXX XXXX on XX/XX/XXXX with a Description of her services XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX to include the Doctors information without having a valid signed HIPPA release form releasing the medical information to a third party. That document was not sent to me. This is a violation of Health Insurance Potability and Accountability ACT.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-01-27
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. (FL)

Experian is incorrectly reporting accounts that should not be on my personal credit report. Experian has refused to delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian is listing my business/estate information on my personal credit file. I have a XXXX Financing Statement filed with the State of Florida, XXXX numbers XXXX from the Internal Revenue Service and XXXX XXXX & XXXX XXXX XXXX XXXX the name attached to this personal credit file is business/estate related. I am a secured party creditor and control all rights to the name and accounts that should not be on this credit file that Experian has created. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are witnesses to the copyright infringement upon my business name ( s ) that are reflecting on my personal credit file and the defamation and inaccurate derogatory information contained there within that is negatively impacting me professionally and personally. I have contacted Experian on multiple occasions regarding this matter without resolution on XX/XX/XXXX by certified mail receipt # XXXX XXXX XXXX XXXX XXXX, return receipt and on XX/XX/XXXX by certified mail receipt # XXXX XXXX XXXX XXXX XXXX, return receipt. The derogatory information continues to report. I need the assistance of the Consumer Financial Protection Bureau to investigate this case. Thank you.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was reviewing my credit report and noticed several inquiries that I did not recognize and I will list them below for you XXXX XXXX XXXX XXXX Bank ) XXXX XXXX ( Bank ) XX/XX/2020 XX/XX/2020 XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Auto ) XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/202XXXX XXXX
Consumer complaint received 2021-04-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I need to email you all the data concerning a charge I tried to get reversed. Original charge was XX/XX/2020 and the Vendor lied to be about the product. I will try to call your XXXX number tomorrow as today is a Sunday and I doubt that you are working today. 

I will be happy to email you all the documentation if you will let me know your email address.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NC)

I contacted online collections of XXXX on XX/XX/2018 via written letter requesting VALIDATION of a debt in the amount of {$560.00}. They prompted responded with a letter saying the date has been paid and my credit would reflect that. This is not proper VALIDATION under the terms of the FCRA. I am asking the company to supply a valid contract/lease with my signature on it validating it. This collection has caused great impact on my credit and it doesn't even belong to me.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

I started to appeal to this bank at least two months ago, if not more in regard to the impending interest that would be expiring in 18 months from the date of purchase and that would be this month, in XX/XX/XXXX. They outright denied my requests. I just signed into my account and to my absolute shock and horror I seen that my min payment had gone from {$67.00} per month to {$320.00}! I didn't even understand how this was possible and looking further into my statement activity online I seen I was just assessed XXXX in interest this month. XXXX?? 
I knew i would be assessed interest but i thought it was somewhere in the realm of $ XXXX {$1500.00} which is still not ideal but of course not at all what this is. 
There is no way I can afford this. Are they kidding me? I appealed to them to work with me and they would not. I am not going to jeopardize paying my housing expenses, which includes my rent and basic bills to survive in order to pay {$320.00} per month in a min payment. There is just no way possibly we can do it. I contacted them online tonight. I told them if they do not do something to lower this to less than half of this amount, then I guess I will be forced to go into settlement. It is not something I wanted to do but they are leaving me no choice. I am in a hardship. My car was involved in a hit and run accident last month which of course I can prove. My insurance company denied my claim and I have to pay to have the car repaired as it is a lease. This is setting us back considerably as we have to take money from a very modest 401K, exhausting it in order to pay for the repairs as we don't have it. I am on SS XXXX with one other income in the house. Period. This is not affordable.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to file a formal complaint against TransUnion regarding their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/2023, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated time frame. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2023, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, along with XXXX response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2023-01-28
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. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of identity theft and I sent my dispute to this company on XXXX.XXXX.18 attached with relevant documents for their verification but to my surprise these company is still reporting these fraudulent account. -- - this is not my account. I am not liable on this account. Delete this from my credit report.
Consumer complaint received 2020-09-17
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: CITIBANK, N.A. (FL)

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Hi, I took a loan with XXXX XXXX for {$370000.00} with loan number XXXX. Before i made my first payment in XX/XX/XXXX, it was sold to XXXX XXXX. So I made my payments with XXXX XXXX for XXXX and XXXX. The loan then was sold back to XXXX XXXX  mortgage in XXXX of 2021 and finalized on XX/XX/2021 and is now Loancare with a loan number of XXXX with balance of {$370000.00}. XXXX XXXX sent the XXXX payment back to loan care but kept the XXXX payment since i was still with them. XXXX however is saying i still owe them the XXXX payment. While XXXX XXXX is arguing that they are keeping the XXXX payment since i was still with them. XXXX closed the new account ending in XXXX and said that that loan is paid off. They made a mistake of closing the wrong account and want the XXXX payment. I have tried to resolve this problem with XXXX for the past 3 months with no resolution. 

XXXX/ Regards, XXXX XXXX XXXX