davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Allied Recovery Solutions, Inc. (NJ)

Received an email with a letter attached from XXXX XXXX of Allied Recovery Solutions, threatening to have my drivers license suspended for an alleged debt that my insurance company I use to have is not paying according to XXXX. 

XXXX - I told XXXX I needed some time to get back to her. By some time, I need more than a few weeks. I have lost several family members from XXXX, which has caused me to deal with issues well outside what anyone could understand. 

XXXX. The accident XXXX is referring to I had already went to court for and paid, in full, the fines for the tickets issued to me. 

XXXX. When I had to provide my insurance information, it would have been established at that time that I didn't have coverage. Therefore ; XXXX 's threatening letter stating I did not have coverage is false. Furthermore, I would have received a ticket for this which again, I wasn't. 

The letter of the threats are attached.
Consumer complaint received 2020-05-01
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)

My lender pulled my credit and there is a XXXX XXXX account showing on my credit file. I had NEVER signed for a credit card with this company. I was added as an authorized user but at no time did I have a card with this company or an account with this company. This is hindering my loan being processed. I am attaching proof that this debt is not mine this was for XXXX XXXX XXXX. Had this been mine I too would have been sued!
Consumer complaint received 2017-12-10
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. (PA)

XXXX XXXX Experian shows my account negative on the report until 2022 and there has not been no late payment in 24 months. there should be no late negative for that long before the account goes positive considering its been paid on time for the past 24 months Will with the FTC on ongoing incorrect information and why its 4 years to go Positive
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

Equifax has been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. They've assumed this responsibility. According to the congressional findings under law 15 USC 1681 ( a ) ( 3 ), congress made it clear that they assumed this role. I have never given them my permission or consent to do so. Also under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again under 1681 ( b ) ( 2 ), I have never instructed them to furnish or create anything that is on my credit report. They have assumed control over my trust without my permission.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

InXX/XX/XXXX I went to XXXX XXXX XXXX XXXX to see a Dr. Before all my treatments were done the Dr died and the office was closed immediately. At the time of my visit I was covered with XXXX  and XXXX to pay for medical expenses. After the office was closed with no forwarding address and contact and without my knowledge a collection account was added to my credit file for XXXX. I became aware of this, pointed it out to Equifax, made two disputes and Equifax refused to remove the item. The collection agency XXXX XXXX in XXXX Ga also refuses.I had no opportunity to communicate with them to head off any other issues. XXXX  and XXXX XXXX properly removed this item the same day that I disputed it with them. After 2 complaints and 2 months Equifax continues to report this item as fact. I has also created a negative impact on prospective lenders that I have contacted.
Consumer complaint received 2020-11-16
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. (PA)

TRANSUNION LLC I did not apply for credit with any if the accounts listed on this page I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX listed twice XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In XX/XX/2020, XXXX reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The AUD control number for the update request that was sent to the Nationwide Credit Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

I received a collection notice yesterday from Convergent, regarding a XXXX XXXX past due balance. I haven't used XXXX for many years. I did receive a notice about 2-3 years ago from XXXX notifying me that someone was trying to open an account with my information. I responded and told them that it was fraud and they should not open the account. Now I'm getting a collection notice for {$1300.00}. When I closed my account, many years ago, it was paid in full. 

I sent a letter to XXXX requesting a written confirmation that I do not owe any money. I also wrote a letter to Convergent telling them the collection attempt is a scam and to cease and desist. 

I work hard to keep a really good credit rating and I don't want fraud to affect my credit history,
Consumer complaint received 2021-10-14
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. (TX)

In XX/XX/2020, XXXX reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The AUD control number for the update request that was sent to the Nationwide Credit Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.
Consumer complaint received 2020-05-18
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$88.00} XXXX  XXXX {$670.00} XXXX XXXX
Consumer complaint received 2020-05-18
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$88.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
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. (NV)

I filed a " Dispute '' of XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$4100.00} Balance updated XXXX XXXX, XXXX ... I have never had any Accounts with XXXX XXXX XXXX! MY " IDENTITY WAS STOLEN '' WAY BACK IN, ABOUT XXXX ; AND MY PERSONAL STUFF IS ON THE DARK WEB, AS SHOWN BY EXPERIAN. BACK THEN, CRIMINALS FROM XXXX XXXX  WERE SELLING MY INFO/AND DATA ALL OVER THE WEB. 

ALL OF A SUDDEN, THIS XXXX XXXX XXXX  AND XXXX XXXX XXXX, SHOWED UP ON MY CREDIT REPORT IN XXXX. Payment Info Original loan amount {$4100.00} Balance {$4100.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. XXXX XXXX XXXX XXXX XXXX ARE VERY " BAD ACTORS '' AND SEEMS TO UTILIZE " CREDIT PARKING '' : XXXX XXXX XXXX ( XXXX XXXX XXXX? XXXX ) FTC Stops Debt Collectors Alleged Debt Parking Scheme, Requires it to Delete Debts it Placed on Consumers Credit Reports PER/EXPERIAN ... Dark Web Internet Surveillance Monitors the dark web for any activity associated with your identity. Learn more! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Phone Number Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Social Security Number Alert XX/XX/XXXX See Details! 
Compromised Email Address  Alert XX/XX/XXXX See Details XXXX XXXX XXXX XXXX Report XX/XX/XXXX See Details Compromised Social Security Number Alert XX/XX/XXXX See Details XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX See Details We're searching the past if your information was compromised or used by an identity thief, so come back soon to view your report.
Consumer complaint received 2020-10-29
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. (PA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2021-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Nelnet, Inc. (IL)

I obtained a loan through XXXX XXXX  in XXXX XXXX ca via XXXX XXXX XX/XX/XXXX. XXXX, from my understanding, obtained the loan through XXXX XXXX. By XX/XX/XXXX, i hadnt received any services from XXXX XXXX  I informed XXXX and they told me i had to speak with the XXXX  company. I spoke with them and called XXXX again on XX/XX/XXXX. At that time i was given specific instructions on writing to request a refund from proceed finance. I was told i personally had to cancel the loan and request a refund of what Ive paid to XXXX. The letter requests a refund within XXXX to XXXX business days. 

XX/XX/XXXX, i called to follow up. I spoke with XXXX and XXXX, as well as a supervisor named XXXX. XXXX was helpful and promised to email the department that issues the refunds. I spoke with XXXX and she told me there wasnt nothing she could do to speed up any process of refunding what Ive paid them. She said it was unfortunate that i received erroneous information from the person that suggested 5 to 10 business days for processing. I then spoke with XXXX, t the supervisor. He found the refund in the system and suggested i would probably receive it the next week but he couldnt promise a day. 

XX/XX/XXXX i spoke with XXXX. She also saw my refund in the system but had no answer as to when i would receive my refund. She promised to email the department again that issues the checks and to also file a complaint on my behalf with the supervisor, XXXX XXXX who should give me a call back, and also with XXXX XXXX. 

Today is XX/XX/XXXX and i still have not received any call backs nor refund.
Consumer complaint received 2020-05-18
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 (MD)

I am disputing the balance of XXXX of a XXXX XXXX XXXX, by credit acceptance. I have been in constant communication with the Credit Acceptance Corporation since the purchase of the vehicle in XXXX. Immediately following the purchase, the vehicle engine went up and had to be replaced. Following shortly after engine going up, the radiator went up on the vehicle. I have been trying to give possession of the vehicle back to credit acceptance since XXXX. Am have expressed numerous times that the vehicle was a lemon and that they could come pick the vehicle up from a location given because I no longer wanted to deal with the trouble. They told me several times that they would pick the vehicle up over the course of the year of XXXX. They then told me that they were not interested in possession of the vehicle. I at that point took the tags and insurance off of the vehicle and stated again that they could come pick the vehicle up from the given location. They failed to do so. Then they sought out legal representation from the law firm of XXXX, XXXX XXXX XXXX to try to get me to pay a portion of the owed amount of the vehicle. I sent a response via certified mail to their law office stating the history I had with their client, the vehicle and how I tried repeatedly to negotiate with them. It was taken off my credit report shortly after and I hadnt heard anything since XXXX of XXXX. Now they have put the amount for the full price of the vehicle back on my credit report because the law firm is stating that they couldnt get in touch with me since XX/XX/XXXX. They have had my email address, cell phone and address at all times since dealing with me on this issue, so I know that the reason if not being able to contact me is a lie on their part. I have tried to no avail to handle this issue civilly with Credit Acceptance. At this time I have already disputed their claim to the XXXX company to have it removed completely from my credit report for good. They advised me to file a complaint with consumer finance so that what Im doing. Thank you for reading over this complaint.
Consumer complaint received 2020-05-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDOEXXXX XXXX {$48000.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (LA)

I made a purchase from Mattress Firm, XXXX for the amount of XXXX. I was offered financing with My Synchrony, I accepted. I was not satisfied with mattress purchased I upgraded the purchase XX/XX/XXXX, making the total amount of the charge XXXX credit amount of XXXX for the mattress returned and amount financed XXXX. This transaction was processed XX/XX/XXXX. I made payment on this account until noticed in XXXX  I had an amount of XXXX added, I reported the charge as fraud. It was not a fraud charge, but a duplicate charge. My account was closed, I was issued another card and account #. I immediately filed a dispute, and a 2nd dispute I have had no results. I have notified Mattress Firm of the duplicate charge I have had no results. 
My balance isXXXX on a purchase of XXXX, I have made payments of XXXX.
Consumer complaint received 2020-05-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDOEXXXX XXXX {$48000.00} US DEP ED XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (OH)

On or about XX/XX/2020, I applied for a secured credit card through First Progress. On XX/XX/2020, the transaction for my {$200.00} 'deposit ' was processed through an online bank that I use. On XX/XX/2020, I received an email from First Progress stating that I had been approved, an account had been opened in my name, and within 3 days my credit card would be created and mailed, as well it was offered that for {$19.00} they could " expedite '' my card. By Monday, XX/XX/2020, I still had not received the card and I called First Progress. It was suggested that I wait until Wednesday, XX/XX/2020, to allow time for it to arrive - it didn't. 

Today is Thursday, XX/XX/2020, 26 days since they've had my deposit and 20 days after they create an account in my name that I can't access without the card.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies which I put on Identity Theft i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove all of them because that was a fraud inquiries. 
XXXX XXXX Telephone Service Provider Inquiry date : XX/XX/XXXXXXXXSales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX & XXXX XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX