davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, Equifax, and XXXX continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account in the subject on all three agencies and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of paid off certification that i had from the bank. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account.
Consumer complaint received 2021-07-14
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. (NV)

The company reported to both TransUnion and XXXX  that my payments were late ' twice by 30 days for XX/XX/XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
3. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.
Consumer complaint received 2020-09-07
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. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2.  Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2017-12-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (MO)

American Credit Acceptance loan number XXXX has cheated and committed fraud in the way they handled my car financing. I did a voluntary surrender of vehicle XXXX XXXX XXXX financed by them at {$7000.00} at 24 per cent interest rate. I paid {$2000.00} cash down payment. 

XXXX XXXX XXXX received the car back on XXXX XXXX, XXXX. The sold the car at an Auction for {$2000.00} selling the car for less the XXXX XXXX XXXX XXXX XXXX of {$6000.00}. Now they state I owe them an additional {$5000.00}. 

American Credit Acceptance stated they were going to give me a credit of {$1000.00} because the used car dealer XXXX XXXX XXXX tried to overcharge me for the car in the beginning of the transaction. 

I never received the {$1000.00} credit American Credit Acceptance stated was coming off the price of the car. 

American Credit Acceptance has Committed Criminal Fraud in the way they have handled my Loan. 

They are trying to make Double what the car was actually worth. I Lost {$2000.00}, I lost the car, and my Credit ScorXXXX went from XXXX down to XXXX. American Credit Acceptance should not be in business. 

I want an Investigation into the way they Handled My Loan and Also I want them Deleted Off My Credit Report. 

Waiting for your reply. 

XXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (IA)

Contacted via mail to refinance mortgage by Village Capitol. Assured the only qualification was on time payments no credit check. Approved for refinance and later had credit pulled by Village Capitol. Now, Village Capitol is deliberate in holding payment to charge late fees and threats of reporting negatively to credit report. All bills are paid via bill pay with not one complaint of late payment from anyone until Village Capitol. XXXX personally intervened to verify mailing address with Village Capitol and account information. XXXX reimbursed me for the late fee charged by Village Capitol. If Village Capitol deliberately withheld payment to receive late fees from clients, this could easily amount to hundreds of thousands of dollars in dishonest profit. I was with XXXX Mortgage before Village Capitol ; all payments were on-time via bill pay. Wished I never trusted Village Capitol.
Consumer complaint received 2021-03-29
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: CL Holdings LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (FL)

My new address hasn't shown up on report. I've sent proper documentation to Experian and XXXX  to have my address updated months ago and nothing has changed. it is stopping me from getting a car loan.
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc. (FL)

I complaint is regarding this collection agency that is reporting a collection account on my credit report of a fraudulent balance. If they are going to purchase debt then they should be sure that is valid debt. I received a notice from this debt collection agency starting around XXXX regarding an owed balance. When contacting the agency regarding the discrepancy of balance, I was pretty much advised that I would need to establish a payment plan in order for contact to the original debtor to validate the debt could be done. I declined as I did not owe the reported balance. Validation of debt was being requested as the original debtor sent me a letter to advise of security deposit withheld and other fees. I responded back as Florida landlord 's must attempt to minimize their damages in which this company did minimize damages as they collected rent om my old unit from new tenants for XXXX XXXX. The management company / lawyer sent me an adjusted balance as the current balance being reported included a rent fee for XXXX XXXX and I was no longer responsible as management can not collect double rent on the same unit for the same month. I have disputed this balance with original debtor who advised that my debt no longer belongs to them and they refer me to the collection agency. I have disputed the balance with credit bureau to no avail.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

An unauthorized charge to my credit card was made by  XXXX  and granted by   XXXX     XXXX   XXXX  without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with   XXXX    XXXX   XXXX  via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.
Consumer complaint received 2021-03-29
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: EQUIFAX, INC. (TN)

Last year I had XXXX XX/XX/XXXX to XX/XX/XXXX of XXXX. I had a late payment with XXXX XXXX XXXX. I immediately had my aunt die out of state due to XXXX. I had to travel to take care of my grandmother. I was completely devastate by XXXX during this era of life. I asked XXXX to help with the late payment reported and they said there was nothing that can be done.
Consumer complaint received 2019-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I used Paypal to pay for an item i ordered but according to XXXX, despite being sent to the right city, the package was delivered to a completely different address and name than my own. I have contacted the vendor and received no response and have filed 3 claims with Paypal but my claims continue to be rejected because the vendor allegedly had provided proof of shipment, despite me attaching the XXXX document with proof of the wrong delivery address in the claim. This process of filing claims has been extremely involved and unnecessarily time consuming as every time i have attempted to file a claim I have been on the phone for no less than an hour. Additionally, the Paypal representatives are clueless and have told me every time that there was something wrong with the previous dispute and that this time it would be solved. Because neither the vendor nor Paypal has satisfied my needs, I have resorted to writing this complaint in hopes that I will receive the refund that is due to me.
Consumer complaint received 2018-07-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: KEYCORP (WA)

I initiated a wire transfer to XXXX on XX/XX/2017 for XXXX Euros. The bank employee who filled out the form put down the wrong beneficiary for the funds but all the other information was correct ; account number, XXXX, etc. 

The funds never arrived and I called the bank repeatedly over the past 3 weeks. When the bank found out their mistake ( on XX/XX/XXXX ) they sent an amendment to the receiving bank. It never got there. 

I have now requested the funds be returned to me but have not gotten the funds back. 

I feel the bank has been completely irresponsible and possibly criminal in their inability to rectify their mistake. 

The wire confirmation is XXXX and the receiving bank is XXXX XXXX.
Consumer complaint received 2019-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (IA)

This complaint concerns XXXX XXXX. I paid them even when I did not believe I owed them any money. I even received an e-mail saying my account was paid. When I called them about the collection. They told me it was a $XXXX late fee the computer generated. They did not bill me until the fee had increased. Each time I called them they said they would take care of it. That was false as is this collection.They manage their billing system very carelessly. This has been removed from XXXX XXXX and XXXX. I need it removed from XXXX. Sincerely,XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 2023-03-29
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. (FL)

I am a victim of identity theft and there are inquiries on my account that I did not authorize. Also, when I purchased an automobile, the dealership ran credit with multi lenders that I did not give permission for nor have I authorized nor attempted to obtain credit from multiple banks, credit card companies, attorneys, cash applications, etc. 
Please note the following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (CA)

the XXXX. XX/XX/2021 I made an international transfer to the business account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX in the name of XXXX XXXX XXXX XXXX and never arrived. XXXX XXXX gave me a copy of the account statement and the payment of the money does not appear. Since XX/XX/XXXX they charged me and after many calls and complaints they never verified that the money was delivered to the account holder in XXXX.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

ACCOUNT # XXXX OFFICE OF THE ATTORNEY GENERAL. THIS ACCOUNT IS INACCURATE. THIS ORGANIZATION HAS INFRINGED UPON MY RIGHT TO PRIVACY WITHOUT A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE, I DID NOT GIVE MY WRITTEN INSTRUCTION TO FURNISH A CONSUMER REPORT PER 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT PER 15 USC 1681c-2 ( a ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

THIS ORGANIZATION UNLAWFULLY REPORTED BALANCES, LATE PAYMENTS, AND/OR ALLEGED LOAN AMOUNTS ON MY CONSUMER REPORT SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND THIS ORGANIZATION THAT ARE REQUIRED TO BE EXCLUDED FROM MY CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THIS IS FRAUD AND IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED BY THIS ORGANIZATION.
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

Transworld systems reached out to me about 2 months ago claiming I owed {$500.00} in credit card debt to the federal government but has failed to provide me with a proof of debt, they're extremely aggressive and rude, and after over a month of waiting for this letter they continually tell me it's on the way, yet it has been a month the mail does not take a month to reach my house, they refuse to take any other steps and they continually ask for money
Consumer complaint received 2021-05-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (OR)

In XX/XX/2020, we applied for a Home Equity Line of Credit. The estimated time to complete the transaction was 2-3 week, plus " little longer due to COVID ''. 

We hounded the branch constantly for status updates. There would often be something needed that no one communicated. We'd provide what was needed every time. This process went on like this until XXXX. At that time they said they were " working on title '' and it was would be soon. 

At this point, we stopped contacting them and never heard a word from them again. I finally called them in XXXX and told them to cancel the loan. They told me then it was already expired. Again, there was no written, electronic, or voice communication for the past three months. 

We had contractors lined up on the continual promise that the loan would close " next week '' or " soon '' over and over. We paid almost {$300.00} to process a XXXX lien for our solar panels that had to be subordinated to third position. 

I've included a PDF that documents every contact we had with them and who did what and when. In XXXX, I asked the branch manager what channels were available to file a complaint, he gave me a toll-free customer service number. I filed my complaint and never heard another word from them.
Consumer complaint received 2017-12-22
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: EQUIFAX, INC. (TN)

It is saying that I paid 100 % of the original amount. But it still reports negatively as a charge off. This loan was paid in full and reflects negatively. 

Overview You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 6 yrs, 10 mos ) Term months Payment History Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times XXXX/XXXX/XXXX days late XXXX Closed XXXX XXXX, XXXX
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (CA)

XXXX XXXXXXXX XXXX is reporting me being late XXXX days late in XXXX and XXXX of XXXX. 
I was in XXXX from XXXX XXXX XXXX 
My last payment to Ditech which was the previous company now XXXX was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXXXXXX XXXX. 
My XXXX  with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of XXXX. 
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXX XXXX took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to Ditech in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

credit card XXXX  XXXX XX/XX/XXXX {$0.00} credit card CAPITAL ONE XXXX XX/XX/XXXX {$8500.00} credit card XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2700.00} other 01 XXXX XXXX  XXXX XX/XX/XXXX {$2700.00} other 08 XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}
Consumer complaint received 2021-07-14
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. (CA)

My husband had the credit card since XXXX with XXXX XXXX. In XX/XX/XXXX bank reported him XXXX. 5 month later in XX/XX/XXXX after being married in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me 30-days-late on the account for XXXX. I did not have the card in XXXX. There is no way I could of been late as I did not have a card or no oblid=gation to pay. I have asked the bank and the CRA 's to remove the account. They have failed to do so. This is inviolation of federal and state laws.
Consumer complaint received 2023-03-29
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATION/XXXX XXXX Balance : {$6500.00}, XXXX XXXXXXXX Balance : -