davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}
Consumer complaint received 2022-03-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NC)

I actually handled farther than the options. My vehicle was repossessed on XXXX by Wells Fargo who hired XXXXXXXX XXXX XXXXXXXX XXXX XXXX, they left driving my vehicle. I paid my loan off on XXXX and retreived my car on XXXX. When they got my car it had XXXX miles to empty but when I got it back it was on empty. My floor mats were gone, there was a lot of trash, liquor bottle, cigarette butts, dog hair, muddy paw prints and mud in the carpet. I called Wells Fargo immediately, who requested evidence. I provided all documentation & proof. Photos from the Towing company at time of pick up showing a clean vehicle & photos when I picked it up showing mats gone and gas hand empty and all the trash. How can they legally drive my vehicle on my tags and insurance?? And who compensates for the missing floor mats. Wells Fargo states there is nothing they can do to help me and they dismissed my case. Please advise how this is fair and legal to a consumer who has worked hard and struggled to pay for a vehicle for their Towing company to trash. 
Thank you for your time and attention.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (SC)

The number XXXX is owned by J C Penney. The call more than XXXX times a day. XXXX/XXXX/15 @ XXXX. XXXX/XXXX/15 @ XXXX, XXXX XXXX, XXXX, XXXX,. XXXX/XXXX/15 @ XXXX, XXXX, XXXX XXXX. XXXX/XXXX/15 @ XXXX, XXXX, XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, and I am sure that they will call again tonight. This is clearly harassment and we have asked them to stop calling us and they say that they ca n't stop calling. My husband has started a XXXX shift job and this is disruptive to the entire household.
Consumer complaint received 2015-12-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IL)

MIDLAND FUNDING LLC is reporting a debt to credit reporting agencies that is not mine, and that has previously been reported AND REMOVED. This is an ongoing issue where they wait a short time and then re-report the item.
Consumer complaint received 2023-03-29
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. (TX)

I

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

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-17
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: Grain Technology, Inc. (TX)

Grain Technology claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc. (NM)

Receiving many collection agencies of debts done in fraud n Identy theft one is with XXXX XXXX contract changed from time of sale with XXXX XXXX on a recall vehicle n claim settlement n reposed n paid on XXXX XXXX  48 months as agreed at time of sale n resold n a first premier of a card debt n now this unifin a debt collector of XXXX this is identity theft and fraud this began with financing a car from XXXX XXXX dealership then XXXX XXXXl financing company stating no service warranty n there was was two years and five year service warranty n copies of payments mailed r not my payments n fraud n contract was changed from 48 months to 72 months n a recall n settlement claim but repossess n auto theft n resold n I paid for it n claim settlement was with XXXX XXXX  to buy back n XXXX settlement to all owners but refused to release title this Unifin collection refuses to give any info on when n where this debt was done n fraud n identity theft
Consumer complaint received 2018-05-28
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. (PA)

Sometime in late XXXX early XXXX I disputed with this creditor I asked him to validate The debt and all they sent me was a screenshot that's not proof I asked him for my signature which I have a little attached and my claim you'll see all the results that they sent me
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (AR)

It 's been years of trying get a  XXXX  forgiveness and they just kept forbearancing and telling me I did not qualify. And rude person telling me I could at least afford  XXXX  $ /a month. I made even less a month and had  XXXX  when this originally started. I finish the semester with straight A 's, but my mother had passed and missed to many days. I knew this and submitted her death certificate. But they would n't except that or my  XXXX . Now it 's in collections and ca n't get any credit or loans. And I do not control acts of  XXXX .
Consumer complaint received 2022-08-04
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. (VA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment XXXX you are supposed to clear any data recorded on an ID THEFT REPORT # 's XXXX ; XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$82.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$81.00} ; XXXX  XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2018-05-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (AL)

I purchased my XXXX XXXX XXXX in XX/XX/XXXX. I purchased the vehicle for {$10000.00} with Carmax Auto Finance. I put down XXXX dollars with a car payment of XXXX for 5 years. I have paid XXXX dollars on my car and after 5 years Carmax Auto Finance is still saying I owe XXXX dollars on a car that is over 12 years old. This is predatory lending practices. They have tacked on an extra XXXX in fees on a vehicle that has been given me major car problems for the last three years. I am very angry and upset and feel I have been taken advantage of. I want the extra XXXX taken off because my car has been paid in full.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (SD)

On XX/XX/2021. I had previously lost my job of employment. I opted into my credit protection plan that I pay for monthly with my XXXX XXXX Credit Card Account. I have had many complications with the company in the past. However, I do strive to have a good business relationship with them, and to keep my account in good standing. Some miscommunication occurred recently on both my accounts. I was informed that I was mailed out forms to fill in regards of my loss of employment. I'm not sure what the letter stated as I never did receive the letter in my mailbox at the address, I have on my credit profile. After I did not receive the letter XXXX XXXX Credit Card went on to report delinquency on both my credit card accounts. After I have been enrolled in credit protection on both my accounts for only XXXX to XXXX days. I do not understand why they needed the same information I had just provided to them again in such short period of time. Due to me not receiving the letters sent in reference to my credit profile my XXXX XXXX dropped XXXX plus points and is now in the red on both my credit card accounts. This has also affected my other credit card account with their carelessness. My Macy 's credit card is one of my best credit card accounts that help boost my credit score and keep my credit healthy. This account has been compromised due to XXXX XXXX carelessness on both my credit card accounts. Due to XXXX XXXX negligence my XXXX 's account was compromised after being in good standing for years. My credit limit was dropped due to the information XXXX XXXX Credit Card company reported inaccurately. I am having to work now to try and get my account at XXXX 's back to the way it was at first before the neglect XXXX XXXX has acted on in regard to my credit report accounts.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank (TX)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number ****XXXX  and ****XXXX. (  Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$22000.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$4100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$5300.00} -This is not my account.
Consumer complaint received 2015-08-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

i purchased a vehicle from XXXX XXXX. In the first retail purchase agreement I was charged XXXX price, but I later signed another XXXX because I removed the extended warrenty. I was told that my payments were going to be reduced and signed that new agreement, yet the loan company has no record of the new agreement
Consumer complaint received 2020-03-10
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: Capital Accounts, LLC (AL)

Here again - another account that was disputed several times with XXXX  and it has not been deleted. I filed a 1692g letter with the collector Capital Accounts and they failed to respond ; furthermore, I called Capital Accounts and I was told the account would be deleted because I do not owe the money. I paid the doctor way before any collections and I never had any contract or association with this company. XXXX   has failed to properly investigate this account under FCRA and Capital Accounts has violated the FDPCA and FCRA by reporting a debt I do not owe, and failure to respond to a formal 1692g letter.
Consumer complaint received 2020-03-10
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. (AL)

Here again - another account that was disputed several times with Equifax and it has not been deleted. I filed a 1692g letter with the collector XXXX XXXX and they failed to respond ; furthermore, I called XXXX XXXX and I was told the account would be deleted because I do not owe the money. I paid the doctor way before any collections and I never had any contract or association with this company. Equifax has failed to properly investigate this account under FCRA and XXXX XXXX has violated the FDPCA and FCRA by reporting a debt I do not owe, and failure to respond to a formal 1692g letter.
Consumer complaint received 2022-08-04
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. (NJ)

I HAVE DISPUTED WITH TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 XXXXXX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES
Consumer complaint received 2021-03-23
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. (AR)

At approximately XXXX CST, on Monday XX/XX/2021, I received a notification from the Experian Credit Monitoring app on my XXXX. The notification stated that a hard inquiry was provided to XXXX XXXX XXXX. I have not authorized any inquiry, nor have I applied for any new credit cards or loans, nor have I requested a credit increase from XXXX XXXX XXXX. I have have not applied for any credit cards or loans backed by XXXX XXXX XXXX that may be presented as a branded card ( for example a department store card, or a rent-to-own loan ).

I immediately followed the steps outlined on my Experian account dashboard and found that disputing an inquiry must be done over the phone, with Experian. The fruitless call that followed ended with the Experian dispute center representative stating that no credit pull would be authorized without some type of certification showing that the pull is authorized, therefore, XXXX XXXX XXXX must have had authorization and if I have issue with the inquiry on my report, I should contact XXXX XXXX XXXX and request an investigation. 

I should also mention that I have not had an account with XXXX XXXX XXXX in nearly 20 years. Their help line requested an account number and transferred me multiple times until I finally reached the " Fraud and Security '' department ( this was after several attempts and being disconnected while on hold ). When I reached a human being, they tried to look for any documentation of an application using my personal information, such as my social security number, and found nothing. I was advised to contact Experian once again, and when I did, was given the same direction as the first person from their dispute department.

My second successful call to XXXX XXXX XXXX yielded similar results. Because I have no account with XXXX XXXX XXXX, there is evidently nowhere to look for an application. I requested to speak with someone from their fraud department. I was told the same again- because I have no account, there is nothing they can do. They did confirm that they could not find any sort of application or request for my credit report. The representative from XXXX XXXX XXXX then denied that any inquiry was actually made, and suggested that Experian was providing inaccurate information. My credit score did decrease immediately following the notification, so to me, it seems to be very real.

Growing increasingly concerned that my identity had somehow been stolen, and perplexed at how Experian could insist that XXXX XXXX XXXX  had received a " hard inquiry '' of my credit report, I'm now left to wonder who can provide me with assistance. I feel that Experian specifically has failed to protect me, and that XXXX XXXX XXXX has failed to exercise due diligence in ensuring there are no fraudulent attempts to steal a person 's identity.
Consumer complaint received 2016-05-18
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

On XXXX/XXXX/XXXX an arraignment to purchase a vehicle,XXXX Dodge Ram Quad Cab 4 WD Drive Hemi .Was constructed for XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX.Placed upon the lease agreement.An amount for a monthly payment expects a purchaser to forward payments.Recommends an agreement for a monetary settlement.Gives a consumer a right to drive this vehicle.Placed upon highways a legal condition for an operator to maintain an agreement.Was proof a vehicle could enter highways.Gives a right to transport cargos safey to other locations.Requires an arraignment satisfy the State. 
Having been advised to consider making payments to Chrysler Capital.To retain possession of a vehicle.A salesman objects to purchasing this vehicle.Give a consumer a right to own a vehicle.Require the effort of consumer financial protection bureau.To investigate a contract for any discrepances.To give a consumer relief from a financial ovligation to lease a vehicle for an increase in profits of Investors.Reason a considerable reduction would be possible for a consumer to buy a vehicle.P ; ase make sure company representation is willing to release a debt of a consumer.And obtain a financial agreement to purchase a vehicle, outright for an American Citizenship 's increase in his state of independence.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My birthday is listed wrong on credit reports. I was born XX/XX/XXXX. Its listed as XXXX. Also I never lived at an address in XXXX XXXX in XXXX XXXX