davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (NJ)

XXXX XXXX XXXX XXXX I cosigned a vehicle for a friend. We had a verbal agreement for him to refinance the car after making on time payments for 6 months to 1 year. The first contract that was created had fraudulent information furnished upon the documents just so that the loan will be accepted by the creditors. There was an error in the first contract it was not accepted by creditors so we had to go back and resign another contract to get accepted by another creditor. The second contract created also had fraudulent information furnished upon the documents so the loan will be accepted by the creditors which also shown up on my personal credit report which caused me personal issues with my landlord as far as income, income proofs like documents ECT. The second contract that was created also had fraudulent vehicle amounts and information because of that made the loan more than with the car was actually worth which resulted in higher loan, interest, and payments.The dealership also required a warranty protection plan that had to be purchased in order to get the loan to be accepted which was an additional {$2000.00} but it didn't cover anything that needed to be fixed or repaired on the vehicle. That {$2000.00} could have been used towards an additional down payment on the vehicle instead of getting the warranty which was a waste of money. Now 30 days to 60 days down the line things started falling apart on the vehicle and the warranty that was purchased does not cover the repairs for the failing parts on the vehicle.Here it is one year later payments were made on time for a total of 12 months and the creditor the dealership sold the loan agreement to does not have a cosigner release form. So if the cosigned fails to pay the car payments in the event of the car breaking down or having additional failing parts that falls on my responsibility I can not afford.I called the dealership and asked them to recreate the loan and resubmit to the creditor they denied. I contacted the creditor they claim they do not have a cosigner release form and I may be stuck in a fraudulent vehicle finance contract. The person I co-signed for refuses to address the issues with refinancing the vehicle so it is solely in their name after all of these fraudulent issues. I took so long to write a complaint because I didn't know who to report it to and how to go about the situation.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC (NJ)

Early Warning XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have received two envelopes which had the documents prepared the same day, XX/XX/XXXX. At first, for the document inquiring on the exact record, I do not have the name of the record. As what I have received from your company is private and I have already sent to the headquarters of XXXX XXXXXXXX XXXX, CFPB, other banks, and other necessary organizations, I do not feel the necessity to check again with your company. You have mentioned earlier how to retrieve the similar document on banking of XXXX XXXX ; however, I have not received the instruction on it. Also, I have opened the link which you have provided to me, XXXX XXXX XXXX.earlywarning.com ; however, as I have mentioned much earlier I can not log into this page because I do not remember my username, so you need to tell me how to recover the username to log into. I have asked you already several times, but I have not received the answer ; therefore, your company also need the improvement of customer service ; especially you might need to realize the name of this page XXXX XXXX might recall the global hacking occurred last year, XXXX, for certain customers, such as those works in the universities who were affected. 
Next, you prepared the documents regarding the XXXX XXXX XXXXXXXX accounts ending XXXX ( ID XXXX ), XXXX ( ID XXXX ), and XXXX ( ID XXXX ). Since I have already sent the necessary documents to the banks which have the questionable matters and have not received yet, except one bank which I disputed myself, I believe it is better to wait the XXXX XXXX XXXXXXXX will answer after some examination and consideration ; therefore, I will not ask anything, even though I will send this mail to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX which your company suggested. I prefer not to call the number of this branch, XXXX, since reputation is not so favorable by searching it online. 
Sincerely,
Consumer complaint received 2024-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (AZ)

I got notified of a negative mark on my credit report, I have never received any information on this. Never a bill never phone call no contact from them at all. They never tried to contact me or call me or send me any mail on this I have no record for this debt being due.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all XXXX credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.
Consumer complaint received 2016-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Credit Services Inc. (NC)

I was a member of XXXX XXXX, XXXX, NY. When I joined the XXXX XXXX, In XXXX XXXX, I informed XXXX of my XXXX and asked to terminate contract. My mailing address was in NY, so I did not receive anything of the debt until XXXX XXXX. I received a letter from the gym stating owing them debt dated XXXX XXXX. I contacted the Gym, and they directed me to First Credit Services debt collection. I contacted First Credit, and spoke to XXXX XXXX. He told me that I owed them {$430.00}, which was considerably higher than the amount the Gym claimed I owed. I have not received any written notice of the debt from First Credit Services, and I gave them an updated address. I have sent a letter requesting a validation of the debt, but I have not received anything.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (IN)

The company refuses to respond to any my letters I sent them On XX/XX/2021 I sent a validation letter they didn't respond On XX/XX/2021 I sent a settlement letter they didn't respond
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (NC)

I misplaced my credit card during my move from XXXX  to XXXX. After I couldn't locate it as a precaution I reported it lost, updated my new address on their website and requested a new card. The outdated website doesn't give you options to control the card i.e lock the card if you misplace it. 

I filed an original complaint regarding this company reporting my balance to the credit reporting agencies before my payment was due causing a credit hit of over XXXX points. I spoke with a supervisor at this company and also express my concerns. 

On XX/XX/XXXX, I contacted Milestone MasterCard regarding the card I requested, I was told it was sent and then stopped on XX/XX/XXXX due to suspicious activity, how ironic this happens right after I filed a complaint because the company incorrectly reported me. There was no activity on the card because I hadn't used it and I didn't dispute any charges. I believed I used the card after I moved to XXXX XXXX  and was never sent any communication saying we think something suspicious is going on with your card or it was never blocked. 

I was told that I need to send proof of identity, I just spoke to a supervisor, regarding the reporting issue..updated my new address with the gentleman and agent that transferred my call and neither XXXX mentioned this. I was told I need to send an ID which takes XXXX days and then another XXXX  days to get a new card ... an entire XXXX  days. 

I made a payment on XX/XX/XXXX iao XXXX, which they accepted from my account in my name ( which is my regular payment due date not prior to the XXXX which is what was reported to my credit report. ) I viewed my statement, there is no available credit only a balance showing due. That's suspicious behavior because none of this has been sent to me in writing. Nothing to the previous address because I have the mailed forwarded or my new address It's seems like retaliation because all of this happened right after I filed the complaint about the incorrect reporting.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. ()

I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 
I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a new debt collection from called XXXX XXXX XXXX that bought my medical bill of {$210.00} by XXXX XXXX XXXX 6 years ago that has hit my credit like it is a new debt. Furthermore this debt was once on my credit for a very long time that has reappeared on my credit before. I recalled paying this debt years ago but they have no record of me paying this. Still it is a very old debt.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (ME)

Disputed XXXX XXXX XXXX ( XXXX ), previously. Received letter from Experian, stating account information has been " updated ''. No changes were made to account, except for " processing date ''. Also, in letter, XXXX other accounts were mentioned, to which I did not dispute in my complaint. XXXX, being a " paid never late '' account, XXXX. The other, being XXXX XXXX XXXX. I checked my previous complaint, and nowhere in the body of my complaint, are they mentioned. Also, I am hereby requesting method used to verify account information. I received a letter from Experian, but not companies mentioned.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion " isn't properly investigating my credit report multiple errors that I've disputed several times to reinvestagate the errors I've described which is inaccurate reporting of open dates across all three reporting agencies, Trans union, XXXX, XXXX, also inconsistent reporting of " last dates of activity, last payment dates, and my 1099-c for credit acceptance all reporting dates are " inconsistent and I demand this account be deleted immediately and removed from my credit file for reporting inconsistent inaccurate information please delete
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (NY)

On XX/XX/year> I was deposited a tax advance on Credit Karma online checking account. It was open for 24 hrs after the money deposited then they just closed my account and are holding my money for some reason. They said I got a paper in the mail in XXXX and I never received anything via email or mail. Now I can't get access to my money until they send me a check in who knows how long that will take. This is absolutely ridiculous and they need to be held accountable. I need that money, I have a family that I am supporting and now I have nothing until I get the check and even then I have nowhere to cash it.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

BridgeCrest did not represent themselves as XXXX. However, they are currently reporting the last payment amount was XXXX This is inaccurate information. The last payment amount was XXXX  Please have this company send a validation letter showing I did purchase the car with identifying information. 

The car is showing reposession. Please have them show the last date of payment. The day the car was reposessed. 

XXXX is reporting the balance amount is XXXX this is incorrect. They are also showing the past due amount is XXXX this is also incorrect. Please have all necessary documentation to show that a balance is owed on this car.
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX has been contacted several times in regards to a derogatory account that was sold to them by Kohls. I have requested validation several times and they have failed to provide validation bearing my signature. Copies of statements are not validation. Since this information hasn't been provided I am asking for this Kohls account to be removed from my credit file immediately.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

XXXX inquiries were made to my Equifax credit report on XX/XX/XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX. 

After a long dispute, XXXX confirmed that they were made erroneously and sent Equifax a letter confirming that they were made in error. This was over a month ago. 

To this date, Equifax has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX '' on XX/XX/2016. 

The second inquiry is also under the name " XXXX '' on XX/XX/2016. 

The third inquiry is under the name " XXXX '' on XX/XX/2016. 

The fourth inquiry is under the name " XXXX '' on XX/XX/2016. 

The fifth inquiry is under the name " XXXX '' on XX/XX/2016. 

The sixth inquiry is under the name " XXXX '' on XX/XX/2016. 

These all need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Equifax so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.
Consumer complaint received 2015-04-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (TN)

about 3 years ago we borrowed XXXX dollars @ 25 % interest I have paid {$740.00} a mounth for 3 years and was sure it was about paid off.i called today and they informed my intrest was now 89 % I asked why I was not informed to which I got no answer this company is called cashcall in XXXX tx the original loan was with XXXX in California then XXXX now cashcall
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

I am writing to bring attention to the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section emphasizes the critical role of consumer reporting agencies ( CRAs ) in our financial system and underscores the importance of treating consumers fairly, impartially, and with respect for their privacy rights. 
As both XXXX and XXXX operate as consumer reporting agencies, it is imperative that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure that my private information remains confidential and is not shared without proper authorization. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy.

Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Regrettably, this requirement has not been met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard.

Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. Unfortunately, it appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been disputing a XXXX  that is listed in my name that XXXX XXXX to me! I have NEVER filed a XXXX in my life and TRANSUNION is showing a XXXX XXXX XXXX XXXX XXXX in my name and has been since XXXX. There is nothing backing this on my credit report and they are illegally stating that it is verified as accurate by the company in which the XXXX XXXX  COURT DOES NOT and Ill repeat DOES NOT verify bankruptcies nor do they even report them to the credit companies. I was a victim of identity theft and TransUnion has all documents including a FTC ( federal trade commission ) identity theft report. This is NOT my public record and I have asked them XXXX times now to remove and they keep coming back saying verified as accurate by XXXX XXXX XXXX and that is a lie! They DONT verify or report anything! TransUnion used a XXXX party company that is reporting this information and it is not right. I have sent in a dispute letter and a response letter that was sent directly to me from the XXXX XXXX XXXXXXXX stating that they dont verify anything! TransUnion is the ONLY credit agency that is showing this! The Only credit agency! And the others arent because I DO NOT HAVE A XXXX  and I want this removed IMMEDIATELY I have sent in all the proper paperwork to support my dispute and TransUnion is breaking a law and the fair credit reporting act 605B statement that belongs to fair credit reporting act and they REFUSE to remove it and just keep coming back as verified as accurate and that is NOT TRUE!!! The courts DO NOT verify or report. So I am filing this complaint now because they are giving me a hard time about getting this deleted from my TransUnion credit report.