davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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. (DE)

On XX/XX/2021 XXXX XXXX XXXX XXXX " XXXX XXXX '' has added an derogatory mark on my credit report per XXXX  XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection also there was no written contract or signature for the accused debt presented at any time. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXXXXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately. My Hipaa rights have been violated.
Consumer complaint received 2017-11-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MRS BPO, LLC (WI)

I have received two notices from companies claiming to be trying to collect a debt of {$490.00} for a XXXX account. I 've never had a XXXX account. Attached are copies of the documents I received. 

Thank you XXXX XXXX
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

I just find out wells fargo finance XXXX XXXX XXXX to me for charging me {$7.00} XXXX on my My loan was XXXX My montly payment is XXXX From here they charge XXXX XXXX interest dayly making XXXX on montly interes this is like 50 % interest montly please let me know what can i do thank you
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

I have asked repeatedly for Credit Collection to provide me evidence that I owe them a contractual obligation. There is no such evidence because I have made no agreement and transfer of a contract does not give you the right to collect. Credit Collection has no authority to sell this information to the credit bureaus.
Consumer complaint received 2017-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I bought a car from XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, MS. Near the end of the loan paperwork XXXX said GAP insurance was required by Credit Acceptance in order to purchase the car. I asked if it was necessary even though I already had auto insurance? He said yes so I signed. The amount was an additional {$670.00} to my loan. My name is XXXX XXXX. XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS XXXX. XXXX or XXXX. My mother XXXX XXXX also purchased a car from XXXX XXXX XXXX & had to purchase GAP insurance with Credit Acceptance. Her phone number is:XXXX. She bought a XXXX XXXX XXXX. I bought a gray XXXX XXXX XXXX 09/03/16. XXXX XXXX XXXX number is:XXXX XXXX
Consumer complaint received 2017-11-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

I signed a document as the CO-SIGNER for a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. The borrower was denied credit. The dealer then put me as the principal borrower without notice. I received 7 credit denial before one credit company approved the loan and put me as the only borrower on the loan. 
I never received any documents from either the dealer or the lending company. 3 weeks ago, I sent them both a letter by certified mail requesting copies of the contracts for this transaction. 
All I received is a phone call from the general manager at the dealership saying that I did n't have to worry that it is normal in this situation that I became the principal borrower. I called the lending company asking for copies of that loan contract and they too said that they will send it to me and never did. 
I believe that FRAUD as been committed to make the sale no matter what. I never intended to be the principal borrower to purchase this vehicle and the dealer by refusing to give me copies of the contract for me to review where my signature appears and what THEY made it look like they had my approval to change the status of co-signer.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

I opened my account with US bank on XX/XX/2023 with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX trying to access to my online banking and is giving error, I cant access. 
I sent XXXX emails to XXXX to see what is going on and how to fix it, but she is not answering.
Consumer complaint received 2017-10-08
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. (DE)

There are XXXX fraudulent XXXX accounts being reported on my credit bureau reports. XXXX is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all XXXX national credit bureau agencies XXXX, Equifax and XXXX XXXX advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.
Consumer complaint received 2017-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

I applied for a mortgage loan from US Bank. I was pre-approved with a XXXX XXXX of XXXX and income over {$150000.00} per year. At the last minute, after XXXX extensions, my loan was declined due to litigation against the HOA of the property I was purchasing. When I received my denial letter, it stated I was denied due to my income and credit report. They even included the credit report of XXXX with the denial ... .. I have been requesting a letter for the correct denial since XXXX/XXXX/XXXX. US Bank will not send me a correction. I am in need a correct letter to file suit against the realtors and owner of the property.
Consumer complaint received 2018-03-16
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: EQUIFAX, INC. (FL)

Hard Inquires Equifax Mortgage Services - XX/XX/XXXX Certified Credit Report - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Customer service wouldn't take care
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (FL)

I was told from credit karma I was 90 % approved for an auto loan from XXXX XXXX XXXX and XXXX  On XX/XX/2021 I was told I was 100 % approved for a XXXX  XXXX credit card I didnt qualify and XXXX XXXX I was 100 % approved for a XXXX credit card that I didnt get approved for.. I all it keeps doing is putting hard inquiries on my credit when I check XXXX my credit score isnt the same as on credit karma I have XXXX credit score on XXXX but a XXXX on credit karma its not right.. and Im being denied messing up my credit when reality I dont have none so why is credit karma fabricating and leading me wrong..
Consumer complaint received 2017-11-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Data Corporation (NY)

I was hacked or my P.C. was compromised in XX/XX/XXXX. My bank closed all my accounts, and then gave me new checks, new account number and new bank cards. The police told me to cancel all my accounts and asked for new account numbers. I did this and in doing so found out one of my accounts had been scamed for XXXX. I have since received that money back from that account. I also called XXXX and gave them this same information. I have been with XXXX since 2001 and as soon as I got new cards from the bank called and told them of the new accounts. I then listed 4 cards which are on that account and I have been ordering with no problem. Then I get this letter and many phone calls 2 and 3 daily at all hours about an account that was being handled by them to collect from me for XXXX. On the letter to me it says this account was closed. I believe that they ( XXXX ) turned over my old account which was closed due to the Hacking. I do n't know why and I just yesterday talked to Customer service at the XXXX home office and since it was the weekend she suggested that I call and she gave me a number for XXXX Account Specialists on Monday..I had intended on doing that but I would like for these calls to stop. I have no intention of NOT paying I just want to know why XXXX did this with my account and is still letting me buy and I had informed them of the scam. It has been something I never had happen before and I sure have been careful not to put any of my numbers on the internet simply because I do n't trust anyone. I just will not pay this collection agency and if they want to take me to court like they say I have plenty of written proof of what I am telling you today. I am on the verge of closing my account with XXXX after all these years but I wo n't be a party to this TRS agency collection calls. Thanks and if you can help I would appreciate it.
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I have an open complaint against XXXX XXXX for partial claims denial with the XXXX XXXX XXXX  XXXX, however I paid my final auto insurance bill on XX/XX/24 to XXXX XXXX. I have never done any business with Credit Collection Services nor signed any contracts or agreements with this company.
Consumer complaint received 2017-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX has been notified in writing more than once about incorrect information. They have also been sent a police report showing identity theft in XXXX even tho I have had identity theft as well in XXXX. Notorized letters and proof have been submitted and they respond with the information has been verified when the world knows they do not investigate anything. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again with different address XXXX mortgage services Known have any dates posted My life has been effected by dishonest pratice of the credit bereaus. This will be my third time sending in endless docs to clear up the mess but I need a outside source to hear and view the corruption of the credit bereaus
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (TX)

FIRST PROGRESS CARD is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXXXXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( FIRST PROGRESS CARD ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( FIRST PROGRESS CARD ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. FIRST PROGRESS CARD can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from FIRST PROGRESS CARD for the cancelled debt in order to file as ordinary income. Where is my 1099-C FIRST PROGRESS CARD is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! FIRST PROGRESS CARD has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In FIRST PROGRESS CARD terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not an affiliate of FIRST PROGRESS CARD nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-11-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

I have not paid on my mortage ( for a property I do not reside in ) since XXXX 2012. I have filled out the same packets of paper 2 or 3 times and have called several times, requesting to complete the foreclosure the process. Their military department changes the representative everytime I speak with them and no one can ever seem to locate any of the previous paperwork I have filled out, attempting to expedite the process. The property has been vacant for at least 3 or 4 years. They continually send correspondence for inspection costs, insurance costs, property maintenance, but will not send any correspondence saying qe can finally get to the end of this process. I feel they are just trying to drag it out as long as they can in order to get more money. I have filled out everything they have sent to me stating they can take custody of the property and even received something stating that they have done so and any further payments will be considered voluntary. Meanwhile we get monthly statements saying we are $ XXXX behind. I just want to get rid of this property and move on with my life.
Consumer complaint received 2017-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before XXXX XXXX and after XXXX XXXX. The company is XXXX XXXX.
Consumer complaint received 2022-03-31
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. (FL)

XXXX XXXX is reporting an auto loan on my credit report that does not belong to me. I already submitted all oft the identity theft paperwork required in order to fix this issue and they have placed the account back on my credit report.
Consumer complaint received 2017-11-18
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: WELLS FARGO & COMPANY (FL)

This is a follow up to CFPB case # XXXX For the third time - the inquiry on my XXXX credit report ( see attached ) does not belong to me : " WF CRD SVC on XX/XX/XXXX '' ... I have never applied for a Wells Fargo account. I have sent you a certified letter that was received back on XX/XX/XXXX that was never responded to. XXXX  says I must talk to you to correct the problem. 

As you can see in the attached letter sent from XXXX XXXX in response to the prior CFPB case - you have my name as XXXX XXXX ( see attached ). This is not me! XXXX has also sent me fraud alert that somebody has attempted to use a variation of my name. ( see attached ). 

Please remove this inquiry at once.
Consumer complaint received 2017-11-18
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. (MD)

On XXXX XXXX 2017 I filed despites on 4 student loan accounts and XXXX, XXXX, Experian, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

Originated a credit card with Zales/Comenity under a promotional program. The sales person advised me that as long as the balance on the purchase + a fee of XXXX was paid off byXX/XX/2022 there will be no additional charges. After having paid off {$2100.00} of the original balance of {$2300.00} within a few months, I am being told that an additional charge of about {$30.00} will be levied since I didn't make periodic monthly payments. This is entirely inconsistent with the terms described to me at purchase. 

The first person that I spoke to was extremely rude and challenged me on my understanding of the terms, as provided at time of purchase.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (CA)

The application for credit card was submitted online XX/XX/2021 I received a suspicious phone call from American Express XXXX stating they were from the fraud department of American Express asking me to verify my full SS # not the last four digits, I was not able to comply with giving my personal information to an unknown person, it is very suspicious of a credit card company to send a letter be sent from my bank to verify my home address and that they were unable to verify my SS #, in todays modern technology all information of previously accounts with any credit card company closed or open account access you have to have a legal record of accurate information is sent to the credit bureaus the matter of their verification of my information is not needed if they are the actual credit card company all the information is in the database records. 
My name address is the same previous account no with American Express all is verified by the Credit Card Company.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ND)

I am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX Bank XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX, XX/XX/XXXX.
Consumer complaint received 2017-12-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (CA)

I had a WELLS LOC that was unjustly canceled in XXXX. 
I have been with Wells for 20+ years, always with an A rating, with various business, personal, mortgage, merchant and LOC accounts. 

Most recently, a 13 year mortgage with WELLS, and $ XXXX line of credit account. 

In XXXX I qualified and refinanced my home with another bank, to an FHA % 3.27, and paid off 3/4 of the  balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 

XXXX Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00}. So my financial and credit situation improved with these transactions. In addition, I I was good enough to qualifyed for an FHA. 
. 
Directly after pay off, in XXXX Wells closed my LOC account, along with other credit cards, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my %, on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 

Therefore, I believe that WELLS committed ANOTHER act of fraud, and MORE unfair business practices.
Consumer complaint received 2017-11-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (WA)

I have lease 2 Vehicles with GM Financial, they are both electric and qualify for no sales tax in Washington state. Both my contracts show the correct payment but GM Financial is reporting to all the credit reports my payment with Tax included and also the payments listed online and on my statements are not correct. They are showing my payment with Tax which is not correct.

I have called Gm Financial about this multiple times and nothing has been done