davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
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. (PA)

XXXX XXXX XXXX is reporting on my credit report as a past due balance on an auto loan that was totaled. XXXX entered a class action law suit. XXXX practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, XXXX is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. XXXX has yet to respond to my request. Please have this account removed as I am in the process of buying a home.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (CA)

I leased a XXXX XXXX at the end of XX/XX/XXXX. The lease ended XX/XX/XXXX. All payments were made on time. I leased a new XXXX XXXX in XX/XX/XXXX and was told I would not pay a disposition fee on the XXXX car. When I attempted to return the XXXX car at lease end, XXXX XXXX in XXXX XXXX, CA refused to accept the car. GM XXXX also refused to accept the car due to the covid pandemic. I made over one dozen calls and emails to XXXX to no avail. I had to store the XXXX XXXX  and pay insurance on the car against theft or damage. In XX/XX/XXXX I was contacted by GM Financial and they made arrangements with me to pick up the car at my home. After the car was picked up I received a bill from GM for a repossession fee and a disposition fee totaling {$710.00}. After repeated phone calls to The Lease End Dept, I gave up. GM Financial subsequently sent a " Charge Off '' to the credit unions and lowered the credit rating on my credit and my husbands credit over 100 points. I decided to file a small claims case against GM Financial XXXX. I contacted the Secretary of State to find the GM Agent for Service in Calif. All of the previous GM agents are suspended and there is no agent at this time. The Secretary of State legal dept could not help. I called the legal dept at GM Financial on XX/XX/XXXX. They said I would receive a call back in 24 hours - but no call came. I need to find someone to serve for my case.
Consumer complaint received 2020-01-25
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. (NJ)

The debt is with XXXX XXXX XXXX. The debt was paid however was sold to another creditor and is reporting false information on my credit report implying that I never paid and still owe. The false information should be removed from my credit report.
Consumer complaint received 2023-04-06
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. (IL)

I'm a victim of identify theft. A XXXX XXXX XXXX and FXXXX XXXX XXXX XXXX  accounts that has been in dispute for the last couple years don't belong to me and I have sent in disputes about the accounts. I was told that I should also send in the FTC reports. I did that along with all information to show who I am. Yet when Equifax got all the information I was told that it couldn't be removed due to disputing too many times. As well as it didn't show fraud before, when in fact it does. I have asked for proof to show that the accounts belong to me and are verified with the original contracts, signatures, dates and driver license to prove this matter. Yet, Equifax says that they can't provide the information as they don't have to but also can't remove.
Consumer complaint received 2021-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Hi, my name is XXXX XXXX and i was going through my credit about 2 accounts attached here that continues to show on my credit report, but however, it's my understanding that XXXX XXXX was involved in litigation in the way that they writing loans to their consumer. It was my understanding that there were alot of fraud going on, but also, this account is not verifiable because there are multiple inaccuracies reporting. Such as 3 different dates of last open, dates of last active, dates of last payment, dates of last reported, dates of 1st delinquency, inconsistent with the payment status and payment history. It's my understanding that once an account is charge off, sent to collection and closed, there shouldn't be any more payment history reported after. Also, the 1099c balance is questionable with the balance reporting. Please investigate and delete as it's not verifiable and too many violations reporting.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

These are charges that were fraudulent and citibank investigators concluded that I'm responsible for the charges. 
I notified Citi in XXXX and clearly stated that I did not make those charges in XXXX Georgia and purchase New York. 

XX/XX/2019 XXXXXXXX XXXX XXXX XXXX NY {$10.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX  XXXX NY {$43.00} XX/XX/2019 XXXX   XXXX  XXXX GA {$66.00} XX/XX/2019 XXXX XXXX XXXX XXXX GA {$640.00} XX/XX/2019 XXXX # XXXX XXXX GA {$750.00} End of activity Total activity Statement closed XX/XX/2019 {$1500.00} {$1500.00}
Consumer complaint received 2020-01-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (TX)

I provided XXXX insurance at time of service on both accounts. After receiving multiple voicemails and letters I found out the facility never billed XXXX and disputed the charges with the collection agency. They failed to show my dispute with the credit bureau or to bill insurance now
Consumer complaint received 2020-01-25
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. (NM)

On XX/XX/XXXX I accessed my free annual credit report and discovered that Equifax was reporting an auto loan that my husband and I have with XXXX XXXX XXXX XXXX XXXX ( XXXX ) as CLOSED with last payment XX/XX/XXXX. This account is currently open, with an excellent payment history, last payment XX/XX/XXXX. I filed an online dispute with Equifax on XX/XX/XXXX and on XX/XX/XXXX I received a communication from Equifax in the mail dated XX/XX/XXXX confirmation # XXXX ( copy attached ). This communication stated that a reinvestigation of the XXXX account was researched and the creditor verified the information in the communication which included no account balance and last payment date of XX/XX/XXXX. 

On XX/XX/XXXX I spoke with XXXX in Member Services and XXXX in Special Accounts at XXXX ( XXXX ). In response to my dispute with Equifax, on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX XXXX provided Equifax with documentation that the auto loan remained OPEN, in good standing with current monthly payments. It is noteworthy that for 84 months XXXX XXXX XXXX XXXX XXXX has provided Equifax with documentation of an open account in good standing, current monthly payments and balance information and Equifax has failed to report this information since XX/XX/XXXX.
Consumer complaint received 2020-09-10
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. (VA)

Ive been disputing this XXXX XXXX account with Experian for about a year now starting with date XX/XX/19 item was removed and deleted and placed back on my credit and the account number is XXXX amount showing before deletion was {$140.00} police report was sent also with report number XXXX for identity theft dispute report number XXXX XXXX XXXX refuses to send me information on why this continues to be reported and has not responded to my request for information.
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (PA)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX   - XXXX XXXX XXXX
Consumer complaint received 2023-04-08
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. (AZ)

I am a natural person and was just looking over my credit report and found some addresses that appear to be incorrect and misleading. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit and purchasing a home for my family. 


Addresses : XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX These addresses have been reporting on my consumer credit profile from 3 XXXX for some time now and this information is inaccurate
Consumer complaint received 2021-06-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi, my name is XXXX XXXX and i was going through my credit about 2 accounts attached here that continues to show on my credit report, but however, it's my understanding that XXXX XXXX was involved in litigation in the way that they writing loans to their consumer. It was my understanding that there were alot of fraud going on, but also, this account is not verifiable because there are multiple inaccuracies reporting. Such as 3 different dates of last open, dates of last active, dates of last payment, dates of last reported, dates of 1st delinquency, inconsistent with the payment status and payment history. It's my understanding that once an account is charge off, sent to collection and closed, there shouldn't be any more payment history reported after. Also, the 1099c balance is questionable with the balance reporting. Please investigate and delete as it's not verifiable and too many violations reporting.
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (KY)

I have called and email Equifax my driver 's license and social security card and paycheck stub with all of my person information on it, I have an twin sister whose information is on my credit report, I don't own a home but her mortgage is on my credit report and some of her other bills.
Consumer complaint received 2020-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/year>... I opened my Fifth Third Mobile app! I went to the transfer tab and added my XXXX XXXX routing and account number and proceeded to transfer {$6500.00} from XXXX XXXX into my 5/3rd savings account! It said it would take XXXX hours for the money to be transferred! I woke up the next morning on XX/XX/year> from an automatic message from 5/3rd stating the transaction was cancelled due to fraudulent alert! I went in person to the 5/3rd bank on XXXX XXXX XXXX in XXXX, MI where I opened the account! They wanted me to verify my XXXX XXXX account and amount requested to transfer! I did, including my W2s to show my taxes were deposited into my XXXX XXXX account so the money is Legit! They told me the verification were all set and I should have my money returned by the next days! By XX/XX/year> no money was returned! I went back in person and the bank teller XXXX XXXX stated that their 3rd party XXXX is now holding funds for XXXX business days! Upset, but Patiently waited for the XXXX business day and still no return! The bank teller XXXX who was in contact with XXXX told me ( i have documents ) that up until XX/XX/year> the XXXX business they had eyes on the {$6500.00} ... on XX/XX/XXXX the XXXX business day..no one had eyes on it, the money is gone, and now they are saying I canceled the whole thing out, and I have documents from XXXX XXXX stating I never disputed the charge and the money never came back!
Consumer complaint received 2020-01-23
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. (TN)

I have close to XXXX inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to XXXX something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.
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 is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I filed for Chapter XXXX Bankruptcy last year, Case No XXXX. I did not sign the lease assumption agreement with XXXX for my leased 2020 XXXX XXXX. XXXX has stopped reporting my payments since I have not signed the lease assumption agreement which has negatively affected my credit score. 

As per 11 USC 524 Violation of Discharge Junction and 15 USC 1681 Violation of Fair Credit Reporting Act, XXXX is required to report the fair and accurate account status to credit reporting agencies. They claim it is their company policy to not report account that do not sign lease assumption agreements, which is a violation of both of these laws. 

My bankruptcy attorney attempted to resolve the issue with XXXX, through both fax and email but XXXX has refused to acknowledge receipt of written request, and will refuse to review the account made through telephonic request.
Consumer complaint received 2020-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX - XXXX  XXXX XXXX   - XXXX  XXXX XXXX
Consumer complaint received 2021-06-07
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NJ)

Card : Chase Intercontinental On XX/XX/XXXX and XX/XX/XXXX, my credit was used by someone at XXXX XXXX store. I immediately contacted Chase when I saw these transactions on my statement that I did not recognize and was told by Chase fraud and customer service that these would be taken care of. They credited me but then these charges somehow were added back to my statement that I did not realize until XXXX. I called them again but was told they could not verify it was not me who used the card and made the purchases ... I requested an investigation - 20 days later, I got an email from Chase saying they have looked into it and decided these should be my responsibility - no one called me to explain why. At this point, late fees and interests were also added to this card. I called them again was told they needed additional documents to prove - fine, I went to the XXXX XXXX store and the store manager was able to help me print out the detailed transactions, turns out that the person who used my card bought a bunch of gift cards then used those gift cards to self check out at that store - how is this not suspicious ...? The store manager also told me they could provide video footage to Chase if they contact them, due to privacy reasons they are not able to share directly with me. I immediately sent these to Chase to let them know what the store manager told me - no response. Till today I'm still responsible for the charges, late fees, and interest fees. Plus, my credit score went down 101 points today because of this. 

I'm making an official complaint and request an investigation of this matter. Please let me know if I can provide anything else to help. Thank you.
Consumer complaint received 2021-06-07
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

XXXX wakefield and associates date again XX/XX/2021 debt XXXX. Phone XXXX : bride code g, address XXXX XXXX XXXX XXXX Tn XXXX collection. I had another problem with this same company last month XX/XX/2021 I reported to your company about different amount.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

I was told they sent a letter in XXXX stating they took over the debt and I need to contact them or they would report on my credit. I never received the letter thus giving me a chance to dispute or handle the debt and they reported in my credit. When I contacted them they were not able to prove they did infact send the letter and I received it and will not remove they remark while I dispute the validity of the debt and had severely negatively ipmapcted my credit score.
Consumer complaint received 2023-04-03
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. (MD)

XXXX  along with Experian, XXXX and XXXX XXXX is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from XXXX. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for my credit report.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I currently have a membership with Experian and My Fico. Experian is reporting my Fico 8 score as XXXX. This information was updated on XX/XX/2021. My Fico is reporting my Fico 8 score as XXXX as of XX/XX/2021. I contacted both agencies about this discrepancy and My Fico is claiming that Experian hasn '' t provided them with an updated score.
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

Collection Bureau Hudson Valley Inc. continuously attempts to collect an alleged debt that they claim that I owe them. They then reported the alleged debt to the 3 credit reporting agencies ( XXXX, XXXX  and XXXX  ).

In the process they have broke several laws, identity theft/fraud by obtaining my personal information without my consent, invaded my privacy by illegally obtaining medical records without my consent.

They violated 15 usc 1692b ( 2 ) by stating that I owe a debt ( which I provide proof of on exhibit A ), 15 usc 1692b ( 5 ) by using language and symbols on their letter that they mailed to me which shows that they are a debt collection agency ( their name alone gives away that they are a debt collector ), 15 usc 1692c ( 1 ) by communicating with me without my consent, 15 usc 1692e ( 2 ) ( A ) by claiming I owe an amount of {$510.00} but sending a bill thats in a positive amount. If I owe something it should be a negative balance.