davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (NJ)

Yes on XXXX I purchase a car XXXX XXXX XXXX, on XXXX I purchase a house maybe when I move the mail get lost and I did not get my title when I paid so at this time when I want to sell my car I look for the title and I remember that I never got it so immediately I when to motor vehicle on the beginning XX/XX/XXXX so I found out when the agent told me that lien release was never send it to them they provide me the wellfargo financial so they can faxed to them and get my title but was not provided because when I called the bank told me that my social security is not the same I provide all the papers including the driver license when I purchase the car the bank account with the amount I was paying I email on XX/XX/XXXX and almost every day I call to see if they need some more information or requirements but every day is something new either don't find me neither with the vin # i feel that I paid my car a XXXX XXXX really very frustrated situation because my car been paid in full.all I want is my tittle something that I paid for.
Consumer complaint received 2020-10-28
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. (CT)

I've contacted this company numerous of times over the past 5 months. I've stated to them as well as proven to them that they are reporting inaccuracies on my credit report. This is affecting my credit very poorly and stopping me from obtaining residence for my family. I gave this company more than enough time to correct this. Way past the legal time companies have to respond. And they just continue to violate my rights per FCRA.
Consumer complaint received 2024-06-11
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: EQUIFAX, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-03-23
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-29
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. (NY)

I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed. 
I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called XXXX XXXX XXXX to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle. 
On or about XX/XX/XXXX I called XXXX XXXX XXXX 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day. 
I have been trying to seek remedy with XXXX XXXX XXXX and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control. 
I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated XXXX XXXX XXXX is absolutely not going to remove the write off from my credit report.
Consumer complaint received 2021-10-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as 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 HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-07-11
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. (CA)

I did not authorize XXXX  XXXX XXXX Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have XXXX XXXX remove all inquiries appearing on my credit history.
Consumer complaint received 2019-05-17
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. (FL)

I am a new resident to XXXX. I went to XXXX XXXX XXXX XXXX  to purchase a brand new vehicle. It was a HORRIFIC experience. The sales team kept me there for 7 hours. From XXXX to XXXX. I told the sales man the type of vechicle I wanted- a XXXX  XXXX XXXX   with a sunroof. He told me they had my car- then, at the end of the night, they told me the new XXXX dont have a sunroof- which was a lie. My 'brand new ' vehicle had several scratches and 2 small dents. There were no mats and no spare key and no service manuals in the car- I was exhausted and it was so late at night, I didnt notice all these things were missing until after I had signed for the vechicle. The sales manager- XXXX -XXXX-XXXX-XXXX said he would make it up to me and get me a sunroof- Then I found out the next day that the finance manager ran my credit 13 times!!!!!!! He told me he was only going to pull my credit one time- he did not tell me there would be 13 inquiries on my score- My credit score was XXXX, It went down to XXXX. I am trying to buy a house, but this company has destroyed my credit. I have been contacting the dealership monthly - XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 at XXXX - I spoke to XXXX in Finance- He tells me he has never heard of this before- I explained that XXXX XXXX XXXX Ran all these inquiries without my authorization and consent. I went into the service department to speak to someone about this problem in XXXX. There was a customer in there yelling and screaming that he has brought his car here and he has paid thousands of dollars and they still have not fixed his car. I could not speak to anyone because they had to call security for this frantic customer. I see now there are several negative commentaries online- I wish I had read all of this before purchasing my vehicle here. It has been the worst experience ever. The sales manager XXXX tells me to my face that he will fix everything- he has done nothing. I did not authorize 13 credit pulls - and XXXX XXXX XXXX needs to drop these credit inquiries. I hope CFPB will investigate this and I am happy to go public or have this information published because it is predatory and unconscionable - bad business practice.
Consumer complaint received 2021-08-18
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX  i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.
Consumer complaint received 2020-08-29
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. (NY)

I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed. 
I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called XXXX XXXX XXXX to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle. 
On or about XX/XX/XXXX I called XXXX XXXX XXXX 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day. 
I have been trying to seek remedy with XXXX XXXX XXXX and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control. 
I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated XXXX XXXX XXXX is absolutely not going to remove the write off from my credit report.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I received a letter of false and misleading information. The letter stating : Activity on accounts with Synchrony bank indicative of high risk of failure to pay. Synchrony bank has decided to close your account. '' SYNCHRONY IS LYING AND Their system does not allow me to pay my credit card over the phone only in the store. Now, since, Synchrony has lye and closed my account under false pretenses.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (NY)

First Advantage company had performed a background check on behalf on my employer " XXXX ''. They reported that I had worked for an employer by the name " XXXX XXXX XXXX ''. From the period of XX/XX/XXXX till XX/XX/XXXX. I am writing to inform that I have never worked for such employer and I am sure that this is a ID theft case.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (IL)

It is showing a debt owed for XXXX on all credit bureaus. I have no idea what this is and what your method of verification was. I did not receive any written documentation or phone calls regarding this matter. I have no idea who this creditor is and I have never did business with them. Please delete this from my report. Also, what was your method of verification
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX - I opened a XXXX 's XXXX XXXX unsatisfied with customer service and other experiences with the card I paid a final balance of XXXX on XX/XX/2021 and requested the account be closed. However, I continued to receive statements for a fee and interest charge which I objected to, however the account remained open and continued to incur charges. These fees and charges ballooned to {XXXX and went into charge off status. Although I continue to dispute this item I keep receiving message that the account is with another lender yet that information was not furnished to me. This is a violation under USC 1681. 

XXXX also violated IRS 4681 which prohibits income from being reported on a consumer credit report and failing to provide a 1099c.
Consumer complaint received 2020-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I received a phone call from a Chase Bank branch in California saying that it looked like my bank account had been compromised. I called Chase Fraud to see what was going on. When I looked at my bank account all of my money was gone, It was over {$10000.00}. I am located in Michigan and someone in California was writing withdraw slips and taking around {$1000.00} at a time. They started stealing the money on XX/XX/XXXX. The first person I talked to at Chase fraud said he made the claim. When I called back one week  later I found out that I needed to fill out a fraud packet. I worked with someone from Chase on the phone for 3 hours who helped me fill out fraud packet exactly correct. The banker told me to go into Chase bank and have them fax the packet and then wait 10 business days. I waited the 10 business days and didn't hear anything. I called back and found out they didn't receive my fraud packet. I spoke with a manager who  had me email her the fraud packet. I waited on the phone for her to receive it. She said she received it and would expedite everything and I would have an answer in 3 days. Chase froze and closed my account so she said I would get a check mailed in the mail and would receive it in 15 days. I called back to find out the results and the banker told me that they approved the claim and I will be receiving a check. I waited over 15 days and called back because I did not receive a check. When I called back they said they are still investigating and I need to wait 60-90 days. Every single time I call they tell me something different. Every single time I call it takes over an hour to talk to someone. Almost every single time I call I get disconnected and have to start the whole process over because they are not able to call me back. I have no idea where my money is.
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I initially received some communication from Portfolio Recovery regarding a debt owed. I requested detailed validation of the debt to review the records but they simply just sent me a one page notice on their letterhead but nothing from the actual source. I also took note that Portfolio was reporting to the credit reporting agencies that I have a one month term with them which I do not, nor have I ever agreed to such. In addition Portfolio is stating they are the creditor of this account which can not be factual.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX a sofa, love seat, table and chairs and was never delivered. Debit card charged {$2400.00}. Bank says Visa denied claim, we have no furniture and no money.
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

I have sent this company several letters asking them to substantiate this debt. It is reporting to the credit bureaus and is a misrepresentation of my credit worthiness. I am distressed because it is hurting my ability to obtain credit. The information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Ive had a PayPal account for many many years. Out of nowhere they emailed me and told me I can no longer use PayPal. I spoke to customer service and they said they cant tell me why the decision was made. Neither person I spoke to could find any reason for it.
Consumer complaint received 2020-12-09
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: Credit Counsel, Inc. (FL)

I spoke to their customer support and I was informed that the date of service and date of last activity on this account was XX/XX/2013. That is well past seven years and they are in violation of the Fair Credit Reporting Act. I do not wish to pursue an attorney for this violation of the FDCPA but will have to if they do not oblige my request. Again, my intent is not to file a lawsuit, I simply want this removed from my credit report as it is illegally being reported.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I have been a member with NAVY FEDERAL since XXXX and have since received various products and provided the company with great considerable value as a silent investor. In XXXX the company received my notice to claim all rights, titles, interest and guaranteed equity due to the Principal from the equitable assets provided upon engagement in commercial practice. The company has yet to transfer all securities including : notes, bonds. coupons, certificates of indebtedness and any marketable securities in their commercial entry system bearing the Principal to the XXXX account for the Principal as instructed via our correspondence. Refusal to complete requested transactions constitute a breach of fiduciary duty by the company. Your due diligence and prompt performance is much obliged.
Consumer complaint received 2021-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX  and XXXX  i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.