davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (NC)

In XX/XX/2022, someone opened an auto loan through Bridgecrest under my name. The initial balance was {$27000.00} to be paid over 72 months. 
They did 11 credit checks with my information. 
They had on time payments for XXXX, XXXX, and XXXX. They did not pay XXXX or XXXX. They paid XXXX, then missed XXXX, XXXX, and XXXX payments. This resulted in a repossession in XXXX. The amount past due was over {$27000.00}. 
The auto loan, credit checks, multiple late payments, and eventual repossession have caused extensive damage to my credit score. 
I, XXXX XXXX, am in no way associated with this account or its payments or credit checks. I have no idea what car was even purchased with this loan.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the student loan XXXX XXXX, XXXX XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc (TX)

I sent a wire transfer over on XX/XX/XXXX to Chicago title  to purchase a house. XXXX XXXX the real estate agent and she works for XXXX XXXX. XX/XX/XXXX ( day before ) I ( Me ) purchase a cashier 's check & XX/XX/XXXX XXXX said the title company was in XXXX. Everywhere in XXXX aren't they the same company. Yes but Chicago title XXXX is different. XXXX would have to mail it like she did the {$10000.00} down payment I gave her in a cashier 's check for the deposit. If I would have been given more notice I could have hand delivered it myself to XXXX by just taking a 30-minute flight. From XXXX XXXX XXXX round trip XXXX XXXX. Cashier 's check was for {$410000.00} I can't afford to lose that so I went back to my bank ( XXXX XXXX ) deposited the money and then wire transferred the money directly to Chicago title for {$410000.00} in the midst of all this confusion I was at the bank. I met up with XXXX at house XXXX XXXX XXXX ( I found out later onshe 's not a broker she lied. ) I've been swindled out of everything.To make a long short the house was sold on XX/XX/XXXX of XXXX for {$350000.00}. I called the police I try to reach out I don't know what else I could have done XXXX has financially drained my bank account I don't even have the finances to provide for my family with on top of it moving I've tried to question I've tried calling XXXX XXXX but the house in someone's name XXXX XXXX XXXX XXXX. I filed a police report XXXX with XXXX XXXX ( wire fraud ) XXXX XXXX won't let me dispute a charge. Or let me have access to that account. XXXX
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been paying XXXX  monthly to Portfolio Recovery Services. The last payment was XX/XX/XXXX. They are telling me if I dont set up a payment plan they will continue to harass me. I can not afford to do a payment plan because I am unemployed and dont know how much I am going to be getting every month due to the unemployment amounts being so varied. 

They have called me 3 times a day starting XX/XX/XXXX. I explained to them my payment was paid on XX/XX/XXXX but they said they wouldnt stop calling unless I set up a payment plan for the next payment. 

I told them not to call back but they have repeatedly done so. I have talked to them 4 times since XX/XX/XXXX and had 3 missed called a day since then as well.
Consumer complaint received 2022-04-06
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. (TX)

I'm filing a complaint on XXXX, Experian and XXXX XXXX. I sent XXXX, Experian and XXXX XXXX a XXXX letter disputing information on my credit report and asking them to show me proof of the information on my credit report is accurate. The letter was sent back in XXXX dated XX/XX/2022. Under the federal law they have 30 days to complete an investigation and 15 days to let me know what information they have found during there investigation. It has been over 45 days and I have not receive a response from XXXX, Experian or XXXX XXXX. I've sent them a 30 day to comply letter and I have not receive a response for that letter either. Below I have attached a copy of the XXXX letter and the 30 day to comply letter.
Consumer complaint received 2019-11-07
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. (FL)

Recent credit report ( paid for by me ) rec 'd from Transunion on XXXX XXXX, shows a drop in my credit score by 57 points in 6 months. Reasons given are : NO NEW REVOLVING CHARGE ACCOUNTS OR RECENT, NEW, CREDIT CARDS I am XXXX years old and a " low income Senior ''.. We are advised to simplify our lives by minimizing our debt and monies owed ; cutting up our credit cards, paying off debt, and SIMPLIFYING our lives as much as possible in order NOT to leave debts, etc. to our children!. ( This advice comes from the XXXX and all other agencies that are supportive of Seniors ). 
Yet, if I do not take on more debt ( re : revolving charge accts., etc ) my credit score will most likely CONTiNUE to drop ... ... ... ... ... 
I have reported this, by letter, to the Elder Abuse agency in Washington ; and wonder why someone in the federal gov't doesn't DO something about this abominable situation!? 
I expect that the other two credit-reporting agencies have the SAME unjust, unfair policy? These agencies, 'peculiar ' only to the UNITED STATES XXXX are a nightmare, for ordinary people, to start with ; ... .... but to allow them to do this ... is unconscionable! 
Thank You, XXXX XXXX
Consumer complaint received 2017-12-29
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: EQUIFAX, INC. (MA)

I have entered into a settlement with this company. I have 2900.00 remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last XXXX payments. Which is for XXXX each for XXXX more months. I need this account removed. 

Thank you
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Creditor is reporting that this is account is still open and it should have at least charged off almost 31/2 years ago. The vehicle was totaled out and the insurance paid off everything but the balance that is reporting and continuing to increase and unfairly bringing down my score. They're reporting that I have been 90 days late 19 times.
Consumer complaint received 2020-10-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (NV)

ATTENTION TO CREDIT ACCEPTANCE CORPORATION! PLEASE READ AND UNDERSTAND THIS MESSAGE AND ITS ENTIRETY. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company CREDIT ACCEPTANCE CORPORATION in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this  matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc. (IN)

To Whom It May Concern : I am writing as the natural woman in regard to the above referenced accounts and transactions. This vehicle was repossessed by CARMAX AUTO FINANCE in the State of Indiana on or about XXXX XXXX, and resold on or about by CARMAX. 
Under the laws of the State of Indiana and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

Serious harm was caused to my family whether physical, or non physical, including psychological, economic, or reputational harm. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies. 


Best Regards, Webster : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND HAS CAUSED TREMENDOUS HARM TO MY CREDIT REPORT. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THME OFF MY CREDIT AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION, PLEASE DO WHAT YOU CAN AND HAVE THESE OFF MY REPORT. KEEP IN MIND THAT I DID NOT AUTHORIZED THESE TRANSACTIONS.
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (OR)

In XX/XX/XXXX I was put on disability and my disability payments did not start until XX/XX/XXXX that was my eligibility date. in the meantime I was living off of partial pension of {$600.00} a month I called my mortgage company XXXX XXXX XXXX company to start up loan modification process I am still in the process of trying to get that modification through its been five months every time I call I get different information that they want me to send in and every person I talk to tells me to send in different items I have sent them paperwork on six separate occasions after filling out the initial application with all the necessary paperwork along with it every time I call they tell me that I need to provide additional information. Ive have been doing this for five months! in the meantime Im living off of {$600.00} a month and just started receiving my Social security approximately 28 days ago. Ive been trying to get the modification so that I have enough money to live on and I feel like theyre trying to keep me from getting the modifications so that my house will go into foreclosure .. at this time I have owned my home for 15 years and have never been late on any of my payments Im still keeping current on my payments through help from my family who has run out of money to help me with. I am at my wits end trying to resolve this issue.. I have done everything necessary on my end including keeping up my payments. at this point I am so upset and frustrated and being disabled on top of it is making my health deteriorate I need some help trying to resolve this issue with this company which is been the most unprofessional frustrating situation in my life. It is so frustrating not to be able to talk to the same person every time and also to not be able to go to a brick building and talk to somebody face-to-face .this company has outsourced their customer service to another country which creates a language barrier as well. there is no accountability, because every time I call its a different person! I am a XXXX who is XXXX living by myself trying to resolve a situation with a company that does not even know I exist I am beyond my capability to hold them accountable ... I would appreciate any kind of help I can receive in this horribly frustrating situation ..
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — Store credit 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: Experian Information Solutions Inc. (AL)

XXXX is showing up as 2 late payment and the account is closed with a XXXX balance it was opened on XX/XX/2014. It was shown as payed never late as agreed but showing on my report as 2 late payments. I have never been late on my account and never will .I then know that it is show this and I know that this is inaccurate charges.
Consumer complaint received 2019-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL INC (FL)

I've disputes this account several times with the bureaus and with the Federal department of Education as well with their collections agency Coast Professional Inc. They've ignored my request for payment in exchange for the original document of indebtedness in its original form. They have failed to validate the loan, they have sent me letters with balances and not an acceptable form of validation or verification that the loan was indeed mine. I was sent from Coast Professional Inc a wage garnishment notices together with a hearing request which I sent all the form back with all my information and a request to have a phone hearing scheduled and yet AGAIN they have ignored my requests.
Consumer complaint received 2022-04-06
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. (FL)

I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instruc- tions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) XXXX departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards. ( XXXX ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Consumer complaint received 2021-09-17
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. (TX)

I have disputed multiple inaccurate accounts they are reporting to my credit report and they have failed to respond to my disputes! These accounts are false and inaccurate! 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Hello, first of all, I 'm very grateful to have you guys as a resource for these types of problems. Thank you! 

On XXXX XXXX, 2017, I sent a Wire Transfer in the amount of {$1000.00} USD from my XXXX XXXX XXXX Account to Coinbase , Inc through XXXX XXXX XXXX. The Wire Federal ID # is XXXX Coinbase emailed me the same day stating " You recently sent a wire to your account for {$1000.00} USD,  unfortunately, we were not able to process this wire due to a name mismatch and your money has been sent back to your bank. '' It 's been 2 weeks and my bank has not received any money back and they confirmed that the money has been wire transferred out successfully to Coinbase. I have emailed Coinbase 5 times, and I just get automated responses with no solutions. I have nobody to reach in their company.
Can you please help me? 

Thank you! 
XXXX XXXX
Consumer complaint received 2017-11-13
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. (OH)

In XXXX 2017, I initiated complaints regarding identity thefts against my person, very possibly committed by maternal family members all of which I named in FTC report # XXXX. Furthermore my Experian, XXXX, and XXXX credit reports show inaccurate names, D.O.B and addresses of which I have attempted to get corrected. These addresses in particular read, " XXXX '' which is inaccurate. Furthermore there are ambulatory bills on my credit reports that are inaccurate. 

I have included my Experian consumer info. The XXXX and XXXX reports show identical inaccuracies. 

I have also included a XXXX report which shows similar inaccuracies.
Consumer complaint received 2021-03-31
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 — Their investigation did not fix an error on your report
Company: Law Office of Brett M. Borland, P.C. (MI)

I have an account on my credit report from a property management company that I am unfairly being charged for. I filed a dispute with credit agency they sent their proof which consists of a lease that is not even in my name and is not with the property as the signer and a bill that they can not verify from the property management company.
Consumer complaint received 2021-03-31
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: AVANTE (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

I have requested in writing multiple times that Flagstar Bank provide our written contract which specifies that they are holding insurance payments made to us in limbo/escrow per the terms of my contract. 

They have refused and continually refer me to another department, refused to answer multiple emails, and refused to release the money. 

All work has been completed, however they continue to hold the money and demand compliance with extra-contractual " guidelines '' which are not part of our contract. 

They promised to release the money if I sent them the endorsed check, which we did, however they continue to refuse to release the funds.
Consumer complaint received 2017-12-29
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: Bread Financial Holdings, Inc. (TX)

On XXXX2016 XXXX XXXXXXXX reported hard inquiries to my credit report. I have never applied for credit at XXXX XXXX. I have contacted the lender and have had no success on removing inquiries. Please help