davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Got a XXXX XXXX  XXXX  from credit acceptance in XXXX fell behind on payments but car ended up flooded in hurricane Harvey..had no insurance..company wrote car off and got paid plus wants money from me still
Consumer complaint received 2021-06-26
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 a open complaint that hasnt been resolve yet. Per complaint I disputed with the three bureaus and instead of them removing the closed account off my consumer report because 1 ) I dont owe or never have dealings with XXXX XXXX XXXX  2 ) How did they get my SSN 3 ) The debt was never verified 4 ) The company refuse to verified the debt showing any contracts, proof or anything and hung up on my face.

5 ) I never gave permission for this to be added to my report.

6 ) Even if the debt was mine, which it is not how can something be charge off at 30 days.

They raised the balance AND place a false remark saying natural disaster. What natural disaster? They cant even verify this account theirselves
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being Care Credit/XXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX/Care Credit is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.
Consumer complaint received 2021-06-26
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. (TX)

I have a open complaint that hasnt been resolve yet. Per complaint I disputed with the three bureaus and instead of them removing the closed account off my consumer report because 1 ) I dont owe or never have dealings with XXXX XXXX XXXX  2 ) How did they get my SSN 3 ) The debt was never verified 4 ) The company refuse to verified the debt showing any contracts, proof or anything and hung up on my face.

5 ) I never gave permission for this to be added to my report.

6 ) Even if the debt was mine, which it is not how can something be charge off at 30 days.

They raised the balance AND place a false remark saying natural disaster. What natural disaster? They cant even verify this account theirselves
Consumer complaint received 2022-06-27
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: TD BANK US HOLDING COMPANY (FL)

The companies below have reported inquiries onto my report and I have not given them the authority to do so this was under fraudulent activity authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Td Auto Finance XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

I filed a Dispute on XX/XX/18 with XXXX for inaccurate information showing on my credit report ( dispute report # XXXX ) from West Lake Financial for a Auto loan on a XXXX XXXX XXXX. 

West Lake place a delinquency on my credit report but confirmed in the dispute report ( see attached ) to XXXX  that the account was always in good standing from inception to close but for some reason I don't know why XXXX will not remove the Delinquency from my report. 

I called West Lake and got a copy of my statement ( see attached ) showing account being paid off and not EVER being late. 

This is so unfair and not rewarding to someone like myself who prioritize bills and make sure they are NEVER late.
Consumer complaint received 2021-06-26
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 sent a certified letter on XX/XX/2021 to XXXX XXXX XXXX care of XXXX XXXX XXXX XXXX for two debts that I owe. I am presently in a debt relief program ( XXXX XXXX XXXX ) that is settling my debts after negotiating a percentage that will be paid monthly. My original creditor was XXXX XXXXXXXX XXXX XXXXXXXX. with a balance of {$1600.00}. The settlement amount was reached by the current creditor, XXXX XXXX XXXX XXXX not XXXX for the amount of {$760.00}. The second debt XXXX which was sold to XXXX that went to collection. XXXX XXXX XXXX which is the current creditor. This account is XXXX years old and XXXX months old which pass the statue of limitation but a settlement was reached for me to pay {$830.00} at which is being paid monthly. My concern is that I notified the Credit Report Agencies regarding the amount owed and the current creditor is not XXXX XXXXXXXX and XXXX sent me a letter to send a certified letter to XXXX XXXX XXXX care of XXXX XXXX XXXX XXXX with documentation to remove from my credit report. It is still on my credit report! XXXX removed one of the XXXX items and then two days later it was back on my credit report. The amounts are incorrect and XXXX is not the creditors! Please Please get them off my credit report. XXXX XXXXXXXX XXXX XXXX. and XXXX are being paid monthly.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion File # XXXXXX/XX/XXXX TransUnion under Promotional Inquires has companies still inquiring on my credit report after I have filed and sign a notice of election form to stop all Promotional Inquires I filed back in XX/XX/XXXXand still see promotional Inquires
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. My information has been stolen and used to open a fraudulent loan with XXXX XXXX XXXX on XX/XX/2022 for the amount of XXXX dollars. The branch that was used to open the fraudulent account is located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. They can also be reached at XXXX. Ive tried disputing with the credit bureau over four times and each time they reported as accurate information with out reaching out to the bank. The bank will not dispute my case until Credit Bureau reaches out to them or the police go to the them with my case. The police report ive made to resolve this is still pending and told that it can take up tp 90 days to be assigned someone to my case. This is absurd.
Consumer complaint received 2019-10-23
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. (TX)

Equifax is aware that I am a victim of ID Theft. Yet they are still reporting information on my report that I have not authorized. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported,. Equifax is aware that I am a victim of Identity Theft, yet they still have not removed it from my consumer file. They haven't sent any documentation with my as to why they believe the account is mine. Here are the incorrect accounts, as well as inquiries listed on my report. Following accounts are due to identity theft : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2023-01-19
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$520.00}
Consumer complaint received 2022-04-30
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. (PA)

In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1618 Section 608 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan at late for purpose.

I have remained very humble throughout last year & these last 4 months despite all the stress, abuse and harm that EXPERIAN, XXXX, & XXXX has caused me. I have had a enough of all the abuse and unfair practices from EXPERIAN, XXXX, & XXXX. pursuant of 15 usc 1681b ( 2 ) I didnt give EXPERIAN XXXX XXXX XXXX & XXXX any form of written instructions to accept, furnish or report any information on my behalf by the powers vested in me by the one TRUE living XXXX I hereby DEMAND that all negative accounts, Late payments, charge offs, that was not Authorized or Verified.
Consumer complaint received 2018-02-13
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: Stenger & Stenger, P.C (GA)

My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit
Consumer complaint received 2023-01-19
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I logged onto XXXX and filled out the XXXX request free weekly credit report page, as directed by the consumer.ftc.gov website. 
Not one of the 3 reporting companies, Experian, XXXX nor XXXX  is able to supply me with the report online. 
The only option is to fill out a PDF form AND send copies of my personal information ( SSA card/Driver 's License ) etc through the mail. This is not secure, nor is it what is promised by the FTC. The FTC states that I can receive copies of my credit report ONLINE. I use a VPN, so I know the information sent/received online is secure.
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has failed to address the issues I complained about. 
I still have never received the appraisal that they charged for and by law are supposed to provide me with. 
They were not authorized to do an appraisal unless I was pre-approved. Their representative assured me this would not happen and said my money would be refunded.
Consumer complaint received 2018-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

Submitted a XXXX payment to my XXXX XXXX from Ally Bank but I have never received it. Contacted Ally and XXXX XXXX but they keep on saying that it's not their fault. Submitted supporting documents to Ally that I have not received it but they are unwilling to resolve the situation.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, dept of ed/ 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, XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, Dept of ed XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

The credit bureaus have constantly disregarded my request for investigating and reinvestigating my disputes. I have noticed multiple discrepancies on my credit report and have made multiple disputes with the bureaus. Which under the FCRA, if the credit bureaus don't investigate a dispute or notify you of the dispute then that is as direct violation. 

Also, it is a violation for the credit bureaus to be report any unverified/unvalidated and inaccurate information on a consumer 's credit report. If the information that is reporting is incorrect, unverifiable, and/or can't be validated with proof then the bureaus have to cist and desist the reporting, and then it has to be immediately deleted/removed.
Consumer complaint received 2022-01-13
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: Credence Resource Management, LLC (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2023-02-16
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: SYNCHRONY FINANCIAL (NJ)

Place an order with a vendor who has not cancelled an order like they say they are supposed to. Filed a dispute with XXXX on XXXX, was told 24-48 Horus for response, been 7 days and nothing. Eventually this company is going to send this item to my house and I will have no recourse since XXXX is dragging their feet on reversing these charges.
Consumer complaint received 2023-02-13
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-02-01
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. (MN)

I have sent a few letters, to be more specific since XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX explain and also sending prof that they are reporting inaccuracies like re-age account and also balances that are wrong but they keep ignoring me and have not sent me correct info. 
Also to be more specific on " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', XXXX  XXXX, XXXX XXXX ''. this accounts have re-age and show inaccurate info.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I have disputed XXXX accounts on my Experian Credit report about XXXX XXXX XXXX XXXX XXXX. They are not reporting my monthly payments on my accounts to credit reporting Agencies, and My Experian report is showing incorrect balances on these XXXX accounts.They also have my late husband still listed on the accounts as Joint. He has been deceased since XX/XX/2019. 
Experian will not correct the errors, which is causing my credit score to be negatively affected.
Consumer complaint received 2021-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NY)

This is a 2-3 year old XXXX XXXX charge that has resulted in this colleciton of a measley {$100.00} I'm reaching out because this has been SETTLED for some time with this hospital yet this continues to show up on my credit report. 

XXXX XXXX XXXX addressed that the nurse mistook my information and noted I had symptoms for some while which was untrue - deeming this " XXXX '' and resulting in this charge. 

Please help to remove this collections charge as I have handled this time and time again over past months and attempted to dispute it already. Turning to you guys because I cant even get a *Pay for Deletion* letter from the Simons Agency Inc .
Consumer complaint received 2021-06-02
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. (TX)

I paid off over {$15.00}, XXXX of debit and my credit score didn't change nor did I see a decrease in the amount or credit I owed. I paid off over 10 credit card and it does not reflect on my credit report. That late payment for XXXX XXXX was place on my report in XXXX is been 10 years and is still showing. XXXX reported a late payment because they didn't inform of a change in financial institution and the payment went to the wrong address through my bill pay so I should have receive credit because the payment was send
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Capio Partners, LLC (MO)

On one of my many visits to the hospital for a XXXX the staff wrote in that i was injured on the job causing my insurance to back out and not pay. I had to fill out all kinds of reports deal with harassment and unprofessional behavior for months while doing thier jobs because no one at this hospital seems to know how to do thiers and furthermore would rather check a box indicating a work injury making thier job easier and destroying my credit. I talked to my insurance got the file number after several days of cat and mouse since i work very hard finally reached XXXX XXXX and gave them the information so they would stop harassing me for thier mistake.
Consumer complaint received 2018-02-10
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: Experian Information Solutions Inc. (MN)

My information has been breached by the XXXX breach, XXXX information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted Experian via Certified Mail on XX/XX/2017 and got no response back. A representative of Experian signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize. XXXX   and XXXX investigated each inquiry on my credit report through them and deleted all inquiries. Experian is breaking FCRA laws by not deleting inquiries that can't show my signature authorizing the inquiry.