davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
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. (GA)

I was in the process of being approved for an FHA loan to buy a house when someone stole my identity. I had been working on getting my credit in good standings for almost 2 years when this happened. My score dropped from a mid-high XXXX to a low-mid XXXX. I reported it to the credit bureaus, proved it was fraud, it was removed from my credit report but nothing was ever done to change my score back.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

XXXX XXXX is reporting a few things on credit that are giving me issues. I enrolled into a debt consolidation program and the settled a {$6000.00} loan I had through XXXX however, there is still a balance on my file. 
The other issue is there are 2 collections on my file for your company through Knight Adjustment. You are double reporting a debt of {$330.00} and reporting a debt of {$460.00} that I do not recognize and do not believe to be mine.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: 1st Franklin Financial Corporation (MS)

i noticed my creit score dropped by XXXX  points and i called XXXX and said that i had 30 hard inquires on my account. I did not authroize4 these transaction. and i would like them removed
Consumer complaint received 2017-06-21
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: CarMax, Inc. (NC)

After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX:XXXXXX2016 and XXXXX.2016
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (NH)

Established an IRA account for {$14000.00} in 2003. XXXX/Key Bank says they can not find any record of this account. You will see this account information in the copied documentation.
Consumer complaint received 2018-01-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT CONCEPTS, INC. (WA)

I purchased a used vehicle on XXXX XXXX XXXX less than a week later on XXXX XXXX XXXX, I discovered the car developed an engine tick. 

I brought the car back to the dealership for them to repair the vehicle, they told me it needed a new timing belt, water pump, and tensioner, they charged me {$500.00} for the work which I later found out was NEVER done, the car was picked up on XXXX XXXX under the assumption it had been fixed. 

On XXXX XXXX, the engine overheated blowing the radiator on the car. After taking it to a dealership to determine what was TRULY going on with the car. I was informed that the radiator blowing was caused by a warped engine block and ignition coils were firing into the cooling system which caused the car to overheat and blow. They found no evidence of a repair to the timing belt or water pump, the only thing they found was an obscene amount of stopleak in the cooling system which was put in by XXXX to stop the engine tick but caused the radiator to ultimately explode in the end. 

The reason for my CFPB complaint. Was that I called Credit Concepts before getting any repairs done on the car, before I made a down payment, and before I was actually obligated to pay for this car they lied to me over the phone and told me I was, they said that if I did n't pay my payment because I could n't afford the over 10k in repairs on a XXXX car, they told me they would sue me, garnish my checks and damage my credit if I failed to make a payment. I told them over the phone that the dealership lied to them and I never gave a down payment and they still refused to work with me and just continued to keep threatening to sue me, garnish my wages, ruin my credit, and make my life miserable. I am now over 17k in debt for the repairs on this car and the loan itself. The car is only worth less than $ 2k USD with the blown engine it was sold with. I have attached a picture of my phone call history and hi lighted the 3 calls made where they continuously threaten me and refuse to work with me. This entire business is built and run off of ruining innocent people 's credit. I told them I had a less than XXXX XXXX XXXX  infant they put my life and my child 's life in danger. 

I was told by Credit Concepts that all calls are recorded and stored, if they are refusing and denying having access to the calls hi lighted in the attached documents they are purging and deleting evidence.
Consumer complaint received 2022-04-25
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. (AL)

I recently disputed an amount on my credit report because the balance is XXXX but stated the account is still open. Experian deleted my entire XXXX XXXX  account. That is incorrect and will affect my credit score. The account is still open
Consumer complaint received 2017-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

Because of the theft of my identity I no longer have a home. On XXXX/XXXX/XXXX Regions Bank allowed XXXX XXXX to transfer XXXX to XXXX XXXX XXXX XXXX. I received a settlement from a XXXX XXXX lawsuit in the amount of {$100000.00}. I set up two C/D 's in the amount of {$44000.00} each. The XXXX Family abused money from the department of labor to make payments on several mortgages. Regions Bank reported interest to IRS. Never contacting me from XXXX through XXXX when I learned my identity was being abused. Payments was being made to XXXX XXXX. I never provided these companies with Regions EDI or my online entries. My labtop was hacked into in XXXX all of my files was stolen. My home was broken into in XXXX when I learned my identity was being abused. XXXX XXXX and company amended and restated my tax returns from XXXX through XXXX. XXXX XXXX was employed with the company at that time. XXXX XXXX had a relationship with Regions and an account. She was the XXXX XXXX XXXX when I was laid off in XXXX. I was told she was going to fix it for me not to be able to get another job. She saw what the XXXX family was doing. Someone filed a tax return in XXXX and put the funds into the account I once had with Regions. The FBI told me to pull all of my tax returns. This is how I learned of this, the amount was five thousand plus. An exemption was used, I did n't have an exemption in XXXX. The amount filed was incorrect. There was no XXXX filed or XXXX for the department of labor. I never received interest statements, not for the C'D 's I had. Or mortgage interest statements or any fraud transpired, even though I did n't apply for the loan with XXXX XXXX XXXX. Regions reported this fraud to IRS. This is abuse of His Housing. I had a FHA loan, these people have property in different states using my information.
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc (TX)

After noticing the debt on my credit report, I sent a Debt validation letter to MNET FINANCIAL INC. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, MNET Financial Inc. did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the MNET FINANCIAL INC or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NV)

Coinbase has unlawfully disabled my account from buying and sending cryptocurrency for no lawful reason! I want to get some help from you possibly, because i have spoken a couple of times with their unhelpful customer support and even they dont know what is happening and at the same time are doing nothing to help me out with the matter! They have given me a confirmation number XXXX  Its been weeks and i still have no answer! i have never had any issues prior to my 6 years of membership and now this thing happened which i cant even pull my money from my own account! This feels frustrating and extremely wrong to me! Please help me!
Consumer complaint received 2017-06-21
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: SYNCHRONY FINANCIAL (ID)

XXXX   XXXX   Divorce : Ending m arriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation  XXXX   XXXX ,  XXXX  -Fall  XXXX  : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account ''  (   XXXX   XXXX   )  owed is {$4100.00} -Fall  XXXX  : Ex-spouse and new husband file bankruptcy and include " Account '' on it  XXXX  : I find out about account past due balance and bankruptcy. Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with   XXXX  ,  XXXX , and   XXXX    regarding the " Account ''.   XXXX   has deleted it from my report. Provided additional information and details in writing and online to  XXXX   &   XXXX , with no result of deletion from my Credit Report.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2020-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (CA)

18 years ago I was informed I had a time share at a place called XXXX XXXX. 
I disregarded the letter as I never bought into any timeshare in XXXX XXXX. I called the timeshare company then and told them I did not buy the timeshare. I did not hear back for about 5 years and assumed it was gone. Then I started getting calls that I owed {$5000.00} in back maintenance fees. I called them and told them I didnt know who they were I didnt know where they were. The next week I get a company called Meridian financial services send me a letter for collection. I called them and they were nasty and told me I would pay them eventually and they hung up. They harassed me weekly and sometimes daily calls. I hired a company call XXXX XXXX and they had it removed from my credit report as it was causing me to get turned down for credit. 6 Months later it was back on my report. I got it removed and 1 year later they got it back on. I get letters from the XXXX XXXX that I owe {$14000.00} in back fees. I hired another company called XXXX XXXX. Now what Meridian does is Put collection accounts on the report with different numbers each time so it looks like I have several collection accounts when it really is just the same company. I called them and they hung up. My credit is still being wrecked by this company it is the only bad on my credit report I have never been late on any of my many accounts but it costs me higher interest rates on my mortgages. But I refuse to pay the blackmail they are doing to me. I have asked repeatedly to show me one place anywhere that I signed for this timeshare and they tell me they dont have to. I did find that someone not related to me grant deeded this to me and I found that you can do this to anyone as long as there is no mortgage on it. I considered grant deeding it to a Judge and let them deal with it but decided against it. Several years ago I grant deeded it to a homeless guy who did not care and I informed the XXXX XXXX about it and they responded with they dont recognize that deed. I told them it is the same way I got stuck with it. They still keep sending me bills for over 15K. Please help!
Consumer complaint received 2017-06-21
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. (CA)

on my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from   XXXX   XXXX   XXXX   accident which happened to me in  XXXX  i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all   XXXX   bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance.   i would greatly appreciate for your cooperation in this matter.   gratefully yours  XXXX   XXXX   XXXX
Consumer complaint received 2018-01-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Time Investment Corporation (NC)

Time finance is still reporting this account as its still open.. however the account is charge off and the reporting it with a open balance ... I have reach out to them and explaining to them that this account needs to be remove especially if they have already charged it off
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Account no. XXXX XXXX XXXX XXXX XXXX, XXXX Wells Fargo bank customer since XXXX XXXX, XXXX. 

On XXXX XXXX I received a statement, on XXXX XXXX, XXXX no statement was received. All my payments are sent out on or before due date. ( Please check your records. ) On XXXX XXXX, XXXX, I received a call from a Wells Fargo representative stating, that No payment was received for XXXX or XXXX XXXX. I explained to the representative that, I never received a monthly mortgage statement nor a delinquent notice letter of the amounts past due. I agreed to make payments during our conversation for XXXX and XXXX XXXX, XXXX. In addition, payments was made for XXXX, I set-up an automatic payments to avoid late payments. During our conversation, I continued to explain to the representative that, this should not be reported on my credit report, in which Rep., agreed at the time she will have it not reported and the late payment will be removed, because of no statements were not sent out during this month. 
On XXXX XXXX, XXXX, I yet not to receive a statement from your office. 
I am currently in the processes of purchasing a new home due to damages on my home, due to hurricane XXXX. But, because I have a delinquent notice on my credit report I might not get the loan. The loan officer request that it should be removed immediately. 
Can someone contact me with 2 business days to have this matter removed or I will not seek a new home. This matter shouldve be resolved when the representative stated over the phone. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

In early XXXX, I noticed unauthorized charges on my Wells Fargo credit card. I called Wells Fargo and was told it would be looked into and adjustments would be made. Approximately 2 weeks later I saw that reduction of approximately {$600.00}. Had been made to bring credit card balance to approximately {$1.00}, XXXX. ( I 'm on a fixed income so as usual when I get paid once a month I pay my bills imediately so not to fall behind ) Well! I get a letter from Wells Fargo saying that " because I had made my monthly payment '' Wells Fargo has reversed the non authorized charges and put the non authorized charges back on my Wells Fargo credit card for me to pay. So Wells fargo did not and does not want me to pay my monthly payment. saying : if I make my credit card payment I 'm to be penalized simply for paying my bill. ( When I paid my  bill the corrected amount was showing. So therefore it said $ payment was due on the adjusted {$1600.00} credit card balance. So now I 'm not going to pay Wells Fargo Credit Card - per Wells Fargo if I pay it it 's  validating the transactions that were not mine. That seem illegal - if I pay I 'm penalized, if I do n't pay my monthly payment I 'm penalized .... So it appears I am not to make my Wells Fargo credit card so I wo n't be penalized? Now my credit card info is all messed up they have made a mess of this and it was already adjusted to {$1600.00}. Not a single person said " do n't make you monthly credit card payment or you will validate unauthorized charges and have to pay the unauthorized charges. I 'm so disgusted that Wells Fargo would do such a horrible thing to any customer - it 's shameful and Wells Fargo gets my XXXX check auto deposited.
Consumer complaint received 2023-01-27
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. (CA)

in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX and XXXX XXXX XXXX Acct # XXXX and Experian, XXXX XXXX XXXX XXXX has Violated my Rights! 15 U.S.C. 1681 Section 602 A. States I have the Right to Privacy. 15 U.S.C. 1681 Section 604 A. section 2. It also states a consumer credit reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-06-21
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. (NC)

To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for XXXX and 20 for TransUnion that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( XXXX ),  and 20 ( TransUnion ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 (  b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or TransUnion fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Consumer complaint received 2022-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

In XX/XX/XXXX I applied for a loan with NetCredit. I received a loan in the amount of {$8600.00}. For the next XXXX years I made payments of {$220.00} every two weeks until I stopped in XX/XX/XXXX. I made payments totaling {$11000.00}. No additional charges or funds were received from NetCredit. Currently, NetCredit is trying to collect a remaining balance of {$10000.00}. This a a predatory loan and it is unethical for me to pay over double the amount borrowed. I do not feel comfortable, morally or financially, continuing to pay them. Because of this the account is negatively impacting my credit.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I was affected from COVID and missed a payment on my auto loan and the loan company was supposed to freeze my account intill I caught back up on the late payment. Recently I was trying to get an XXXX XXXX and got denied Bec the auto loan company reported 6 months missed payments when my account was supposed to be on freeze and the payments where paid. I tried getting a copy of the months they received payments from me and they will not give one.