davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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)

On XX/XX/21 I sent in a FTC report, as the Federal Law tells me to do, Because I reviewed my report and noticed Fraudulent accounts or accounts that dont belong to me. I was told the would investigate. Well its been months. Nothing has changed. I started to do research and found per FCRA 605B All Fraudulent information must me blocked from my credit file. Its bad enough someone used my information, but the worst part is Im stuck trying to prove myself and get my identity back. Its is really sad. Its seems like I need to file a complaint against Transunion XXXX and XXXX with FTC and XXXX. Because Ive never done business these companies or entered into a signed contract with. 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: COMMUNITY REINVESTMENT FUND (MS)

Received a credit card in the mail. Tried to login in online. Only to find out that someone has stolen my identity. XXXX XXXX told me to contact you and see if my SSN. Is being used else where. This person had my name, address, phone number, ssn. This persons email that applied is XXXX XXXX
Consumer complaint received 2022-01-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TX)

Date : XXXX XXXX XXXX XXXX XXXX CT # XXXX XXXX XXXX Texas, XXXX Chrysler Capital XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Acct. No. XXXX Amount : {$21000.00} Date : open : XXXX This Debt is not mine the company should have deleted this from my credit if it's not then I'm forced to file a complaint against your company. We will go to court if it's possible. This has hurt me someone use my Identity to get a car.
Consumer complaint received 2021-12-01
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. (MD)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. 

These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2021-12-01
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. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX )
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (VA)

I opened a Comenity Bank XXXX credit card account in XXXX. Consumer accounts were closed on XX/XX/XXXX by Comenity Bank due to their separation from XXXX. My last purchase on this account was XX/XX/XXXX. I continued to pay my remaining balance without ever being late. I paid off my balance on XX/XX/XXXX resulting in a {$0.00} balance. On XX/XX/XXXX, I received a bill from Comenity Bank for {$2.00} stating this was interest due on purchases prior to XX/XX/XXXX. When I contacted Comenity Bank, they refused to remove the charge, threatened a late fee of {$41.00} if I didn't pay it, and couldn't explain why I was being charged interest on an account with a {$0.00} balance. The Comenity Bank supervisor I spoke with initially stated that the charge was because I paid after the due date, which was untrue. The balance was due on XX/XX/XXXX. I paid on XX/XX/XXXX. She then became combative with me. The impact on me is that I fear I will never truly have a {$0.00} balance with Comenity Bank if they are able to continue to charge me interest on purchases from prior years and to which I've already paid. As it stands, I have paid EVERY amount they've asked me to pay for the duration of this account, which includes ALL interest on EVERY purchase. When I filed a complaint against Comenity Bank with CFPB, they responded by violating my privacy rights and breached my personal information by sending CFPB 6 months of my bank statements WITHOUT my knowledge or permission. My statements showed my entire account number, address, purchased items, credit card information and other private data. I contacted Comenity Bank and they failed to respond to why they sent 6 months of my bank statements to an agency. Comenity Bank has charged me late fees for payments that were made several days prior to the due date.
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (WI)

I received a call from a company Ive never heard of called Credence Resource Management about an old balance from an old phone bill. The very first day I let the company know that I am not working and wont be able to make any payments until I have income coming in. I also stated that I was looking to pay it off or at least majority of it once I got my taxes. The collector kept trying to get me to set up an arrangement, telling me that I might not have a chance to be in good standing with them if I wait until then & have me put my card information in for the arrangement which I kept telling the caller i would have to verify it, I do not have the money, & dont know when I can even make arrangements. They call me everyday from three different numbers with the last 4 numbers somewhat similar or different than the others starting as early as XXXX XXXX for the last two weeks. The last conversation I told them to send me the information through mail because I need it in writing & they still continue to call, some days at least twice.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. Experian and XXXX are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under 15 USC 1681a 2Ai as an exclusionary reporting. XXXX and Experian are both reporting a collections account for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (TX)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus ; Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Experian has been decreasing my credit score every other month based on old account that have been resolved and/or other information that I am not aware of. My credit score was dropped XXXX points in XXXX and then XXXX points in XXXX. 

I pay my extra on my credit cards every month and I am not behind on any of my accounts. 

Please investigate and review this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have sent a debt validation letter to Portfolio Recovery. I havent received any proof of validation I request them to send me proof of them having rights to any debt and also send me proof of my bear signature stating that they have the rights to own this debt.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MA)

I have sent 2 payments a month to XXXX. The payments were processed within one day and put onto the account. Paid for this card for 4-5 months with no issues. I go in to a store and go to check out to find out my {$340.00} balance is no longer existent. Knowing I paid the bill and it had said paid and the balance was presented. I am rarely late to pay this card and pay over the minimum Once I called the company to see what was going on I told them I have my statements here that state my payment was indeed taken from my bank card and off of my statement. I also made a payment of {$40.00} Friday which shows but doesnt reflect on the account at all
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

MY NAME IS XXXX XXXX MY DATE OF BIRTH IS XX/XX/XXXX AND TODAYS DATE IS XX/XX/XXXX am filing this complaint myself without any help of a attorney or credit agent I'M WRITING THIS COMPLAINT BECAUSE I previously notified Equifax that I am a victim of identity theft, and requested that Equifax Close the unauthorized account AND Take steps to remove information about this fraudulent account from my credit files AND BLOCK IT FROM RE REPORTING I SENT IN A COPY OF MY FTC REPORT WITH MY POLICE REPORT ( 103 true Identity theft ) I'm a member of the Equifax data breach & have filed my claims accordingly i have been attempting to clear my credit report of these fraudulent items XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XXXX XXXX, XXXX IVE BEEN CONTACTING Equifax SINCE XXXX THEY HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS MATTER These fraudulent debt is hindering my ability to apply for credit or even get a first time credit for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports
Consumer complaint received 2021-10-27
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. (PA)

I the consumer did not consent too nor authorize these inquiries that are reporting to my XXXX report. I did not give not give my permissible consent to none of these corporations to obtain my consumer report from TransUnion. Everything is electronic I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via Usps certified mail. Is TransUnion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. Transunion decreased my score because those inquiries that have no connection to me. If you can provide me a copy of a credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I demand remedy per federal law for my damages that have concurred. Per section 15 USC 1681n ( a ) I am demanding {$1000.00} per inquiry.
Consumer complaint received 2021-11-08
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: CCS Financial Services, Inc. (MA)

XX/XX/2021 I discovered a company named Credit Collection Services claiming I owed them money for a medical debt listed as a negative account on my credit reports ( all three bureaus ). I do not know this company. I sent them a 93A Demand notice requesting validation of debt and informing them in the state of MA it is not legal for a debt collector to place their name on a consumer report ( laws include : 209 CMR 18.18 : Unfair Practices and 940 CMR 7.07 : Deceptive Acts ). I requested immediate validation and removal from my report. 
Credit Collection Services failed to reply to me with any validation or correspondence but they did remove their listing from my XXXX Report and XXXX Report. They continued to report to XXXX. 
XX/XX/2021 I sent them a 2nd 93A Demand Notice again requesting validation of their claim and reminding them of Mass laws. 
They failed to reply or take any actions. They continue to list their account illegally to XXXX. 
XX/XX/2021 I sent them a 3rd notice informing them complaints would be filed with the authorities for fraud and violations of the FCRA and FDCPA. They again failed to reply and continue to report to XXXX harming my credit and making fraudulent claims.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXDate of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021
Consumer complaint received 2021-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (TN)

I was paying advance financial in payment agreements that waived the interest. I was originally working with a lady there but she got promoted to a different dept then After that when calling in I was sent always to a different dept called a work out dept. They continued to waive interest but when Covid first hit My income was and still is in ruin. I paid this account down according to my receipt {$700.00} as attached, which was the last payment I had made to advance financial. Advance financial sold this account to a collection agency called XXXX XXXX XXXX for {$1000.00} when I paid it down {$700.00}, they tacked on {$300.00}, this is not right basically they took my money when I could make payments but turned around and sold it at an amount it originally was or added the {$300.00} and some odd dollars back onto balance. This is shady business and not right. I am currently unemployed and can not handle making payments right now due to simply trying to stay afloat. I have tried calling even spoke with manager to make my {$50.00} payments but no one seemed to not know what was agreed upon in waiving interest etc..
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (NC)

On XX/XX/2021 and XX/XX/2021, I requested payoff amount totals for the debt owed on the account. On my credit report, they have not updated my reported balance since XX/XX/2021 and it states that my account is 90 days past due with a remaining balance of {$1300.00}. However, in their payoff amount emails on the above dates, I was only 30 days past due with a remaining balance of {$1000.00}. They have threatened in the emails that my credit will be impacted and it has because they have not updated my reported balance in almost 2 months. Based on their email as of XX/XX/2021, my remaining balance was {$510.00} because I have tried to resolve this on my own with continuing to pay in hopes of the company updating the correct amount to my credit report, however they have chosen not to do so. They are intentionally not reporting my updated balances and my credit health is severely impacted.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Hello, each month I send my insurance payments via my bank to USAA and coincidentally about every 3-6 months, USAA claims that they did not receive the payment and charges a {$25.00} late fee. The most recent incident took place XX/XX/2022. After learning that my payment was not received, I called my bank and conferenced a call with USAA to verifying that my XXXX payment was made. USAA claimed that they would research and get back to me regarding the payment and the waiving of the {$25.00}. Yesterday, I received an email stating that my account was behind and will be cancelled. I call on XX/XX/2022, to find out what had taken place and they said that my XXXX payment was never received. I told them that I will make the XXXX payment ; however, I refuse to pay the {$25.00} late fee. They are refusing to remove the late fee because they said that they had already removed XXXX -- which by the way was caused by the same " missing '' payments routine. 

It is my belief that USAA is purposely misplacing payments so that they can charge their clients unnecessary {$25.00} late fees.
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I contacted Portfolio to verify this account that is being reported on my credit report. My first letter was dated XX/XX/2021, in which case, I requested verification in the form of any signature bearing document against this account. At the beginning of XXXX, I received a response from them touting a letter from XXXX XXXX giving them authority to collect and a couple months of standard company account statements. I then responded with a letter on the XX/XX/XXXX, asking again for some hard evidence linking me to this account. I have no knowledge and think that there was Fraud under my name. I then received another letter from Portfolio Recovery Associates saying that they weren't going to reimvestigate a dispute that had already been completed. I guess some standard account statements that can be photo chopped, clipped, and hacked is their standard for verification. I have attached my letters along with their responses.