davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
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 (FL)

I am a victim of hurricane Michael that hit the Flordia XXXX  on XX/XX/XXXX. I purchased a car XX/XX/XXXX because of a divorce, and repossession that took place on behalf of my ex husband. 
The car was financed by a subprime lender, Credit Acceptance. The car was totalled in the storm. 1 year later my XXXX children and I are still living in a family shelter due to losing our home and Credit Acceptance wants me to pay for the car. I have tried to get them to negotiate with me but they refuse. It's affected my credit negativity and because of it I can't even rent a home for myself and my XXXX children. 
I also tried working with XXXX XXXX concerning the matter but that hasn't helped.
Consumer complaint received 2023-01-30
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. (IL)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2020-05-07
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. (AR)

I recently received a letter from Transunion Consumer Reporting Agency of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. XXXX  also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. XXXX  has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. Transunion/XXXX  has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Transunion/XXXX/XXXX  also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from Transunion/XXXX   unethical and straight biased considering the lack of proof they have supporting their claim. Transunion/XXXX/XXXX  has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and Transunion/ XXXX/XXXX  Should be held liable
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX XXXX TransUnion, have all failed to correctly report the account balance on my XXXX/ XXXX XXXX, Credit Card. The account was last updated XXXX XX/XX/2021. We have now completed the first week of the new year and still my credit reports do not show the correct balance on my XXXX credit card which adversely affects my credit utilization.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to XXXX XXXX XXXX XXXX XXXX you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. XXXX XXXX XXXX  XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-30
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. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2021-11-03
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: OneMain Finance Corporation (FL)

Good afternoon, On XX/XX/XXXX I sent a letter to One Main financial explaining to them what laws they went against when it comes to my consumer report. It is nowXX/XX/XXXXwhich is way over the 30 day mark and I still have not heard anything back from One main financial.
Consumer complaint received 2021-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo has been impossible to deal with. They do not return calls ans failed to resolve the time sensitive issue. Weeks have passed. We are unclear why they associated with poa with a XXXX account that was not requested. The poa was supposed to be associated with the line of credit. Also, I inquired about an overdraft question. I have received no response. XXXX has not reached out to me with a resolution.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (DE)

I received an unsolicited Credit Card in someone else 's name at my address. 
NETSPEND XXXX XXXX was received at my home address under a different name. 
This is the second time this has occurred, both cards sent to my address with different names. 
How is someone able to order a card using my address? 
The company said they would investigate with Marketing. Upon followup I was told there is no information.
Consumer complaint received 2023-01-30
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. (AR)

I have contacted both bank & Experian to update my report. 
My only address THAT IS ASSOCIATED WITH ME is XXXX XXXX XXXX XXXX, XXXX XXXX, AR, XXXX XXXX XXXX XXXX, AR XXXX. 
By law, everyone other account should be removed from my consumer report. 
I also have paid my car loan off, and this has not been marked paid in full on mine or my husbands consumer report.
Consumer complaint received 2019-10-30
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: Navient Solutions, LLC. (AL)

Navient, as per an email I received in XX/XX/XXXX, was going to be servicing all my student loans which included approving forbearance requests on ALL of my student loan accounts. In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company Sallie Mae was transformed into Navient. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XXXX and XXXX which means it was still in affect during XX/XX/XXXX when Navient reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company Sallie Mae was transformed into Navient. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XXXX and XXXX which means it was still in affect during XX/XX/XXXX when Navient reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. 

I have forwarded my XXXX and XXXX  credit reports to Navient 's Credit Bureau Management team which show that this is exactly what happened in XX/XX/XXXX. All of my reports show paid as agreed and then all of a sudden in XXXX of XXXX I was 90 days late. Now since Navient has multiple student loans on my credit report, 12 of them show 90 days late on my credit reports from XX/XX/XXXX which have created a huge hardship on my FICO score and lenders will not approve me for any business loans or lines of credit as my credit history looks like I was late 12 times on multiple accounts when in fact it is just one account that shows a 90 days late from Navient.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX is reporting inaccurate information on my credit profile. They are remaining late payments as XXXX XXXX XXXX  days late, XXXX XXXX XXXX days late, XXXX XXXX XXXXXXXX days late, XXXX XXXX XXXX days late, XXXX XXXX XXXX XXXX  late and XXXX XXXX XXXX days late. 

A late payment can not be reported as 120 days late in XXXX XXXX XXXX and then reported as 90 days late in XX/XX/. That is inaccurate reporting and a violation of my consumer rights. 

Per consumer law- 15 U.S. Code 1681- Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (IL)

I have received multiple calls from IC systems day after day. It interrupts my day and has become very frustrating. The number that I call back to resolve this debt says the number is not in service. Which is also very frustrating in order to try and resolve this debt.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

ON XX/XX/2019 I SETTLED XXXX ACCOUNTS WITH CONNS. BOTH XXXX AND XXXX XXXX ARE REPORTING THE ACCOUNTS CORRECTLY XXXX HOWEVER IS STILL SHOWING XXXX OF THE ACCOUNTS OUTSTANDING AND DESPITE MULTIPLE DISPUTES REFUSE TO CORREBT THE INACCURAT INFORMATION
Consumer complaint received 2017-10-19
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. (NC)

I have submitted several request to Equifax, XXXX XXXX XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.
Consumer complaint received 2023-01-30
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

PHH has proceeded with foreclosure despite the eviction moratorium - The scheduled sale date is XXXX, 2021. 
They deny me of all options to try and keep my home of XXXX. I am a XXXX old single woman with medical issues due to an on the job accident with XXXX XXXX ( currently in appeals court ). 
PHH has added over {$100000.00} in penalties to my loan making it not even worthwhile to sell. Can they do that? Is this negotiable? 
May I ask ... Is there a Mortgage forgiveness program available? And how do I qualify for a modification?
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

Hello, Here we have a complaint about debt and disclosure. So I had a care credit card account with Synchrony bank and they sold my debt to a party that was not a " party '' listed in our original agreement nor is there listed in the agreement any clause that allows disclosure of my personal information to any third party. I suspect this is happening to all consumers of credit cards and it must be stopped. It's no wonder how identity theft happens so much because credit card companies that we trust have the ability to sell our social security number and other info to anybody when the agreement needs to specify all parties. 

My issue in particular relates to my debt being sold to XXXX XXXX however their information doesn't show up on my credit report, it just says sold to another lender and doesn't provide any name. When I called Synchrony bank they couldn't even explain to me this XXXX XXXX   address but they gave them my social security number and my address and information. 

This is very harsh for all people to have their personal info juggled by random companies who we cant hold accountable because there isn't an agreement between us listing their name. 

This issue has stopped me from getting credit and has caused me strife.
Consumer complaint received 2019-10-30
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've called XXXX  numerous times about inquires that I didn't authorize. The Credit bureau continues to state I need to contact the consumer ( s ) and speak to them I have recently spoken to XXXX ( XXXX ) which stated the exact same thing. XXXX   stated my dispute results will remain online for 30 days but I'm unable to see them. 
My XXXX credit report dispute confirmation number is XXXX. 

I have submitted various documents to them stating these Inquires aren't mine, yet they remain on my report. I have provided them with police reports stating fraud. Still, no changes have been made. I'm requesting they remove all inquiries off my report immediately which is hindering me from acquiring a few life goals.
Consumer complaint received 2020-11-19
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME THEY STOLE MY IDENTITY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is ( XXXX XXXX XXXX, and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and identification as it contains my complaint and requests.
Consumer complaint received 2019-10-30
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. (TX)

I've called XXXX numerous times about inquires that I didn't authorize. The Credit bureau continues to state I need to contact the consumer ( s ) and speak to them I have recently spoken to XXXX ( XXXX ) which stated the exact same thing. XXXX   stated my dispute results will remain online for 30 days but I'm unable to see them. 
My XXXX credit report dispute confirmation number is XXXX. 

I have submitted various documents to them stating these Inquires aren't mine, yet they remain on my report. I have provided them with police reports stating fraud. Still, no changes have been made. I'm requesting they remove all inquiries off my report immediately which is hindering me from acquiring a few life goals.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment XXXX. I have consistently adhered to making XXXX payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2021-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (VA)

i have an account i opened with one main finance XX/XX/XXXX the payments i was only about to access from the company only covers 1 year and i noticed the payment allocation to principal and interest doesn't seem to be corrected i call first then stop in the office XX/XX/XXXX and was told my staff any time the payment is late then the allocation would look that way. that doesn't make since even when the payment was on time the same thing happened for example for XX/XX/XXXX {$310.00} due XXXX paid on XXXX {$53.00} went to principal and {$260.00} went to interest, XX/XX/XXXX same due date paid on XXXX {$7.00} when to principal and {$300.00} went to interest. Over the past 12 months the company has received {$3000.00} in interest and {$510.00} to principal the loan was for {$8700.00} at 60 months 35.99 % interest
Consumer complaint received 2020-09-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (GA)

Upon reviewing my credit profile i noticed a collection from WORLD FINANCE COMPANY that was opened on XX/XX/2015. I have no knowledge of this collection nor have i received any notices of attempt to collect this debt which is a violation FDCPA and also a violation of the FCRA i was never notified of this debt and upon submitting a dispute to the 3 major credit agencies the account was somehow verified i would like all pertaining information on this account sent to me, as i am a victim of fraud and believe this account was fraudulently opened ... attached is a copy of my police report
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: The CBE Group, Inc. (OH)

They Sold it to a company and Now CBE Group was On Caller ID they would Make sure i get a Summons for court I asked For the Comanys Name She sed Dont bother looking it up you will not find it online and gave me the name XXXX XXXX And the only other Info she Gave me was her name was XXXX and told me it had to be XXXX dollars on a XXXX loan and sed i had to to pay her XXXX upfrount and XXXX in court Fees, Told her i dont work and only get SSI which is only little over XXXX a mo she sed it was NOT her issue why take it out if i could not pay it this happend in 2015 i live in the State of Ohio