davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TX)

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Collections/Chargeoffs Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : AFFIRM AFFIRM Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM AFFIRM Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AFFIRM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX : XXXX AFFIRM Account # : XXXXXXXX XXXX XXXX XXXX  AFFIRM XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

EQUIFAX, XXXX AND XXXX HAS ACCOUNTS ON MY CREDIT REPORTS. THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

XXXX XXXX XXXX XXXX This is not my account. Please delete.
Consumer complaint received 2022-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (FL)

Vystar Credit Union, XXXX, FL has had the online banking services down and unaccessible to all customers since XXXX XXXX. Further, while a major upgrade of all online services was planned and executed, the CEO had a planned vacation. CEO was not local during major upgrade and the upgrade has been nothing but a failure with more thousands of people unable to access their accounts to change bill payments, make transfers to cover shortages, check balances, and schedule bill payments. Prior to this upgrade, XXXX XXXX was down for a full week. I have been unable to change existing or schedule new payments for two weeks. This is negligence and every Vystar customer should be provided with relief. The CEO should be penalized.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX : {$3600.00} XXXX XXXX : {$0.00}
Consumer complaint received 2022-05-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (TX)

Hey you guys legal team told me that Carvanas business operations are compliant with applicable local, state, and federal laws and regulations. So whats up with you guys asking for cash down Im entering a consumer credit transaction because if its having a finance charge that means I have entered in a credit transaction and the finance charge is the sum of all charges, payable directly or indirectly by the consumer to whom the credit is and extended, and imposed directly or indirectly by the creditor as a incident to the extension of credit Which are ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system of additional charges. 
( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss And when I was trying to ask what type of transaction am i entering into she said I can find out on the website I said I dont see the finance charge and I dont believe I will see my terms for the extension of my consumer credit she said yeah you can I dont have to tell you because its on the app and on the website and when I went to both locations it failed to describe the nature of the transaction Im entering or what my finance charge is so I informed her without the informed use of credit that hurts our nation and she said is there anything else to help you with I told you where to find the disclosures and this is after you guys stated there where no wrongdoing and yall havent received the documents in the mail which was a purchase order : a document authorizing a seller to deliver goods with payment to be made later. That doesnt say anything about up front not to mention you guys act that wasnt a binding agreement but if you can look on page 3 of the purchase order it says in bold the following : Buyer acknowledges receipt copy of this Agreement. No oral agreements or understanding apply. This Agreement is not binding until accepted by an authorized representative of Carvana which seems to show XXXX XXXX and who position is Vice President CARVANA XXXX XXXXXXXX XXXX and thru all your actions has caused nothing but harm and distress to my life and I feel I have exhausted all my options and have no choice to give you proper notice of a possible claim against your Texas XXXX XXXX XXXX which protect me from malpractice and fraud by extending credit to the dealership whereby the principal, the dealer, is required to pay out on any claims. 

And if we can resolve this matter please contact me XXXX XXXX
Consumer complaint received 2022-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

This company shows that I have a balance with my current insurance company however after contacting XXXX XXXX they confirmed that there is no balance. I requested for them to remove the incorrect information however they said they would only remove the information if I were to pay the incorrect balance. This sounds like a scam to me however they are impacting my credit report and I will be seeking litigation and sue the company for each incorrect entry on each of my credit reports showing the data as per the FDCPA laws. 

This is the data listed : Credit Collection Services XXXX Collection Account {$120.00} Date Opened : XX/XX/2022 Credit Collection Services XXXX Collection Account {$980.00} Date Opened : XX/XX/2022 XXXX
Consumer complaint received 2022-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (MI)

I got a phone call on XXXX from a number I didn't recognize, so I ignored the call because I was at work. About XXXX mins later my wife called me saying that shat had gotten a call saying I was going to be sued for a debt from XXXX. She confirmed that the number that I received a call from was the same number she received a call from. So I called and spoke to a guy saying I was getting sued and that I did not answer repeated request from his company to talk about a debt and they were trying to garnish my wages. He never told me the name of his company but I told him I didn't remember receiving any paperwork. He said maybe it got lost in the mail and that it happens more than I would think. His words, not mine. So he was supposed to send me whatever paperwork I was supposed to have received by the end of the day. I never received it so I called the next day and talked to him. He told me that he sent the paperwork in as I disputed the claim and wanted to go to court. Once again I still haven't gotten the name of his company nor did I give him permission to make a choice on how I was going move forward with whatever was being alleged. He then told me I owed like XXXX for towing fees in XXXX I told him I turned a car in to XXXX back then but if I remember right they did garnish my wages already. He then said it wasn't about the car it was for the towing and it was in the fine print. Noone ever told anything about that. And me being a first time buyer at the time. I thought I was legally able to assume that everything was ok when I signed the contract. He said I was being sued because I was ducking the company. I've lived in the same area, worked the same job for the last XXXX plus years. I'm not ducking anything. Like I told him I have chronic medical conditions I deal with daily, so something from XXXX isnt something I think about especially after XXXX years. I called again and requested the info via voicemail and I still haven't received anything and they have seemingly cut off all communication
Consumer complaint received 2022-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC (TN)

My name is XXXX XXXX XXXX. Im a XXXX Citizen and Veteran Im receiving threnting phone calls from this company that I have never heard of and I dont owe anyone any money. I told them that they have the wrong number but too know avail they continue to call. Please help
Consumer complaint received 2022-09-19
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. (MO)

This is my 9th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the ; disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) ther are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to ; either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2022-08-17
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-26
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: SYNCHRONY FINANCIAL (NC)

Thank you for your recent AMAZON STORECARD credit request. Please click the link below to view our response to your credit request via our secure site. 
View Details Reference Number : XXXX AMAZON STORECARD Credit Services I received this email this morning, I never applied for a credit card. 
In addition, I also found a JC Penny credit pull - I never applied for a JC Penny credit card
Consumer complaint received 2024-10-05
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: ALLY FINANCIAL INC. (LA)

Region bank paid to delete. 
XXXX XXXX paid to delete XXXXXXXX XXXX  no response from company, sent debt validation letter no response Green dot paid to delete Ally financial send debt validation letter no response from
Consumer complaint received 2022-09-19
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. (FL)

XXXX XXXX XXXX is reporting a Chargeoff on my report however this is incorrect additionally I have never received information about this balance. The car was returned directly to them and I was told I was fine and didnt owe anything when I returned the lease.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Time and again I have approached EXPERIAN about its negligence AND NOW, INDIFFERENCE AND FRAUDULENT REPORTING OF INFORMATION. An account XXXX XXXX XXXX REPORTED XXXX YEARS AGO AT A BALANCE OF {$180.00}. THE ACCOUNT WAS CLOSED AND CHARGED OFF NO ADDITIONAL BALANCE WAS PRESENT FOR THE TERM OF XXXX MONTHS EXPERIAN, XXXX, and XXXX all allowed feloniously and fraudulently said company to report monthly an additional balance of XXXX dollar to XXXX dollars monthly charged off balance resulting in today the balance being XXXX I disputed this via phone and dispute centers of the companies numerous times them to light of the Erroneously and fraudulently reporting on my credit file to date XXXX, Is the only company that has satisfactory relies their negligence and mistake and remove the company experience continues to modify disputes made investigation as well as had abusive statements to today change the status in history from charged off {$180.00} written off at {$180.00} and a past due amount of XXXX. To date I have asked for investigative details on how the allowance of this fraudulent reporting of occurred balance to a closed account has been allowed, resulting in numerous substantial injuries to my credit credit worthiness and personal and business lives as well. These tactics are abusive felonious fraudulent and deserve to be investigated fully, and the companies held responsible and made liable for my injuries from this abusive long standing injury and misuse of my credit report.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX accountXXXX  XXXX XXXX, has violated my rights. 

In Accordance with the fair Credit Reporting act XXXX  account emergency XXXX XXXX, has violated my rights. 
In Accordance with the fair Credit Reporting act XXXX  account XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency connot furnish a account without my written instructions.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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: SYNCHRONY FINANCIAL (OH)

last XX/XX/XXXX i noticed 2 credit inquires, syncb/j.c.penny XX/XX/XXXX and XXXX  XX/XX/XXXX. i immediately called both of them, told them that i never applied to either of them. after they both reserched the accounts, they both concluded that someone fraududently tried to open an account. they both said that they would send a letter to XXXX  to get it deleted off my credit report. i also requested that letter to be sent to me.they said that they would. they also said it would take30-60 days for the deletion. i said o.k., long as it is done. 3.5 months later, there is still no deletion. i called them back again to find out whats going on. they said they sent the letters to XXXX. XXXX told me, no such letter has shown up regarding any deletion. i asked them to send it again. they both said that they will. XXXX said that they never got letter, nor did the send me the letter as i requested. to date XX/XX/XXXX i have contacted both again3 or 4 more times about this. no letter has shown up at my residence or XXXX. every time i asked them to mail me and XXXX, they always said they would. and as allways no letter is sent. i'm just trying to get false info off my credit report. i have worked hard rebuilding my credit, up XXXX points in a year now up XXXX points to date. please help me get this false info off my credit report. syncb/j.c.penny XXXX and XXXX  XXXX phone numbers. my name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX ohio XXXX my phone number is XXXX my email is XXXX XXXX