davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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. (FL)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. ()

I sent a letter via certified mail to EOS requesting that the validate the debt. The letter was signed on XX/XX/XXXX. EOS sent me a settlement offer. I sent out a second request and disputed with XXXX XXXX XXXX. They are reporting as verified and meets the FCRA with no actual proof that it has been verified.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I am yet again filing a complaint against Wells Fargo. I had received a packet of letters posted marked XX/XX/XXXX. At the end of the letter Wells Fargo claims that all of my concerns have been fully addressed. They have avoided my requests and have dodged me each time. They are also claiming that it is my responsibility to review my account statements promptly and carefully and to notify them of any errors. I did notify Wells Fargo of the errors all the way back to XXXX of XXXX. I had kept calling and trying to get someone to future assist me. I was avoided and no one would transfer me to a supervisor in any of the departments. I did my best effort to notify Wells Fargo within around a 2-3 week window of time. I did try sooner but was unable to speak with anyone via telephone. Also I do not have a consumer account agreement with Wells Fargo. They know this that is why they have been avoiding me and getting away with mistreating me.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (OH)

Back in XXXX I had a bad breakup with a woman. This person had taken my Apple ID, XXXX info and my card information for two other accounts as well as my Apple Card. I have gone round and round providing proof that the two other accounts that were used have provided me with a full refund for significantly less money than this card. I have had little to know response from my Apple Card only for them to tell me they have denied the claim with no response on why and no reason as two why the other companies have ruled in my favor yet this company will not. That are not in the interest in working for the customer but Instead for them selves to only get more money out of you and charge you interest in fraudulent charges. This company has terrible customer service. is extremely deceptive, misleading and not at all for the customer. I will be going on to file a complaint with the attorney general in New York. All of this of {$350.00} That I didnt even spend in the first place
Consumer complaint received 2020-10-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I received an miscellaneous fee on my auto loan some months back. I questioned the amount which was {$50.00}. Once I learned what the charge was for I was ok with paying that amount. My vehicle was held for evidence and I was fully aware that it wouldnt be released until I received an District attorney release. This release would be sent to me and only me. The finance company told me that they provided a lawyer and would see about getting the vehicle released, this is when I was charged the {$50.00} amount. I received 2 more payments and was told after the first one that the amount wouldnt increase especially after I stated that Im not aware of any charges and that there shouldnt be any charges especially when my situation doesnt involve any payment. This situation has been going on for months and as of XX/XX/2020 I finally have an idea of what has taken place especially after the finance company told me the vehicle was held for a DWI which is false and I was being held accountable for towing fees. This again is also false because no charges I would be held accountable for since the District Attorney has possession and would be making the necessary arrangements for the vehicle to be transported to its destination. As of right now the fees are {$760.00} This doesnt make sense to pay especially when I know that no money would be out of my pocket during this whole ordeal. Why would I pay a lawyer hundreds of dollars for information that I have for free. This makes no sense whats so ever. I could see being held accountable for payments especially if I was behind and the company retrieved the vehicle but I havent ever.
Consumer complaint received 2023-02-01
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. (CA)

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

Account name : XXXXXXXX # XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX , Account name : XXXX # XXXX, Account name : 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 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 or 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 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I been calling equafax regarding an account thats reported on my report everytime I work in to a dealership every dealership see it..but whe. I call Equifax they said its not showing on the file so they need to update so everybody else can see the same thing with them
Consumer complaint received 2020-09-08
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. (OH)

My Name is XXXX XXXX XXXX I would like to file a formal complaint / investigation against Equifax Credit bureau regarding reporting Inaccurate fraudulent accounts to my credit profile. I have sent them countless dispute letters I can confirm at least 8 letters sent Certified US Mail and successful Delivered please see attachment. They have never provided me a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 So I contract the creditor ( s ) Directly example XXXX XXXX where the did send me a copy of the fraudulent contact ( Never Once did Equifax send me any original documents from this creditor to show prove that this debt belongs to me ) I of course respond to XXXX  and Equifax once I obtain the contract myself from XXXX  that this was fraudulent I see where XXXX  Stop reporting on the account back in XX/XX/2020 ( please see attachment ) However this debt is still showing and being reported by Equifax despite myself providing them the contract that clearly shows that is not my signature cause I also provide them a copy of my social security card driver license and a Notarized statement I even went and filed a police report witch I am waiting to be assigned and detective to investigate this crime to take legal action against all parties involved This have been very stressful costly damaging to me! I believe that they are in competed of reporting accurate information I have sent them my driver licenses numerous of time and they continue to report my Birthday as XXXX even know I have told them shown them that is a fraudulent birthday not correct!! XXXX They removed XXXX  account from my credit report to only put it back on there 2 days later I have been disputing this for years and they have even fraudulent respond to my disputes Confirmation Number : XXXX saying it was nothing on my credit report but a collections account for a apartment complex but when I would check my credit report everything I would be disputing would still be on there as if they are not even checking the validity of the reports
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (CA)

Collection Bureau of America has damaged me. They've been NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

This was a medical deductible. I never got any notice. Then, I was told by CBA that the item would be deleted if I paid. I did and the account is still being reported. 
Account information below : Account number : XXXX Date Opened : XX/XX/2017 Original balance : {$100.00} Original creditor : XXXX XXXX I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failing to honor the deletion of the account after payment was made in full. 
Account has been re-aged. Negligence. 
Unfair business practices. 

have suffered several financial and emotional damages due to this account. I demand to get the trade line of this account removed from my records. I give you a deadline of 30 days to delete the account from my reports. 

Thank you.
Consumer complaint received 2019-08-20
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. (AZ)

Transunion, XXXX, and XXXX  are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC
Consumer complaint received 2020-11-13
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: CREDIT ACCEPTANCE CORPORATION (MN)

Hello i had a issue with my vehicle regarding coolant leakage and radiator issues. i use my vehicle warranty to try and take care of the issue with me seeing those things were covered in my warranty and mines was still active i use it. They ( XXXX XXXX  XXXX XXXX pick up the vehicle diagnose the vehicle and deemed it not covered after their findings and said they wouldn't do any work on the vehicle. My Lenders ( Credit acceptance ) Picks my vehicle up from them with my permission and takes it to schmitty 's repo. Now its on my credit as a repossession which it shouldn't be then to make matters worst XXXX XXXX XXXXXXXX never put the engine back in my vehicle so even if i was to pick up my vehicle from XXXX XXXX i ca n't drive it because my engine is gone.I have contact all parties in this matter and they keep pointing the finger at one another. also credit acceptance isn't trying to help at all they just keep hitting my credit when they know what happened to the vehicle nor have they offered any helping hands even though they picked up the vehicle with no engine.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Unauthorized Inquiries on my credit reports with XXXX, XXXX and Equifax : XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I APPLIED FOR FINANCIAL HARDSHIP ASSISTANCE FROM MY SERVICER SPS, I WAS RECENTLY DENIED DUE TO THE LENDER STATING THAT THEY WERE UNABLE TO OFFER ME ASSISTANCE BECAUSE THEY COULD NOT CREATE AN AFFORDABLE PAYMENT. THIS IS ABSOLUTELY CRAZY, FOR ONE IF THEY DID NOT EMPLOYEE UNDERWRITERS WHO DO NOT UNDERSTAND HOW TO CALCULATE INCOME I WOULD NOT BE IN THIS SITUATION. THEY ARE STATING THAT MY HOUSEHOLD GROSS INCOME IS {$3900.00} AND MY TRUE GROSS INCOME IS {$6000.00}. SECONDLY, I GOTTEN MY LOAN IN XX/XX/2007 AND HAVE NEVER NEEDED ASSISTANCE. MY MATURITY DATE IS XXXX WITH A 8.63 % INTEREST RATE!! I HAVE A RATE WHICH IS DOUBLED TO TODAYS INTEREST RATE AND I AM IS XXXX YEARS OLD, THIS IS ABSOLUTELY PROOF THAT MY INVESTOR AND SERVICER ARE PREYING ON MY AGE TO KEEP ME IN A RATE ABOVE 8 %. I WILL NOT ALLOW THESE PEOPLE TO STEAL MY HOME BECAUSE THEY ARE GREEDY! AN EXTENSION ON MY TERM AND TODAYS MARKET INTEREST RATE WILL BE AFFORDABLE, I WOULD SAVE OVER A {$1000.00} A MONTH ON A 4 % 40 YEAR LOAN, DONT LIE TO ME AND STATE THAT YOU COULD NOT PROVIDE ME WITH A PAYMENT OUTSIDE OF YOUR BOGUS GUIDELINES. WHAT YOU ARE TRYING TO STATE WITH A SMILE IS THAT I WILL STEAL YOUR HOUSE AND MAKE YOU HOMELESS, WELL WE WILL SEE WHAT XXXX XXXX, FTC, XXXX, HAVE TO SAY WHEN I FORWARD THEM THIS COMPLAINT. YOU WILL NOT VICTIMIZE ME AND STEAL MY HOME.
Consumer complaint received 2019-08-20
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. (RI)

Company has violated the Fair Debt Collection Practices Act by placing an ambiguous collection amount on my credit report 3 years after the account was closed and paid in full. The XXXX lease was never late, yet now reporting 14 or more 90 day late payments and collection. The lease terminated in XX/XX/XXXX, paid in full, never late. XXXX company has not reached out nor attempted to notify about "debt". Account appeared as charge off on credit report with balance and late payments years after paid in full. Received notice dated JXX/XX/XXXX with "lease termination invoice". Attempts to contact number on notice have all failed. Operators collecting information and then terminating call. XXXX is acting abusively due to not purchasing vehicle at lease-end.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (AL)

I have sent letters and communicated to each credit bureau by phone about the inaccurate reporting of this collection account # : XXXX. The date originally for this account was opened on XX/XX/XXXX ... Each bureau was showing that this account was opened in XXXX which is Inaccurate. XXXX deleted the payment history but the account remains on my file as negative, XXXX reporting as if Im making payments and Im not. But due to XXXX not doing proper investigation and reporting, I just ask that my credit file be updated properly. All of this Inaccuracy negatively affects my credit file.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (GA)

After reviewing my credit report today XX/XX/21, I noticed Target  & XXXX  are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (NV)

On XXXX I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes ive been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong people.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/18, I contacted Equifax and requested that Equifax block a fraudulent account from XXXX XXXX XXXX pursuant to the section 605B of the FCRA. I attached an identity theft report naming the fraudulent account and a copy of my identification with my request. 

On XX/XX/18, Equifax denied my request to block the fraudulent account without a specified reason or good cause.
Consumer complaint received 2021-09-08
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)

Experian reported a XXXX XXXX acceptance account that is a closed account with inaccurate payment history, A XXXX  XXXX auto account that is closed with a payment history that is still inaccurate after being disputed, a XXXX XXXX account that is closed with inaccurate payment history that has been disputed and a XXXX XXXX account that is in collections. Experian did not have my written consent to do so and violated federal law pursuant 15 U.S.C 1681B ( 2 ) this law states A consumer reporting agency only can report with the written instruction of the consumer to whom it relates. This is what the CFPB identifies as identity theft as when someone uses your name, social security number, date of birth, or other identifying information without authority, and because I did not give Experian Authority to report anything on my report they are in violation. Experian also told me they verified that these account were accurate but according to federal law 15 U.S.C 1681a. ( e ) in order investigate a consumer report you have to interview with neighbors, friends, and associates of the consumer. So, whom did they interview? and still such information should not include specific factual information on my consumer report.
Consumer complaint received 2021-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I noticed these fraudulent inquiries on my XXXX  credit report and I've disputed them several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Cap1/Saks 5th Ave XX/XX/2021 Cap1/Saks 5th Ave XX/XX/2021 Cap1/Neiman Mrcus  XX/XX/2021 Cap1/Neiman Mrcus  XX/XX/2021
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC (RI)

Company has violated the Fair Debt Collection Practices Act by placing an ambiguous collection amount on my credit report 3 years after the account was closed and paid in full. The Volvo lease was never late, yet now reporting 14 or more 90 day late payments and collection. The lease terminated inXX/XX/XXXX, paid in full, never late. Volvo company has not reached out nor attempted to notify about "debt". Account appeared as charge off on credit report with balance and late payments years after paid in full. Received notice dated XX/XX/XXXX with "lease termination invoice". Attempts to contact number on notice have all failed. Operators collecting information and then terminating call. Volvo is acting abusively due to not purchasing vehicle at lease-end.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.