davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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. (MS)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX  XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00}
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Wolf River Development Company (CO)

Got the loan and let them know about my pay dates On multiple instance they've withdrawn funds outside of my pay date which over drafts my account and takes my remaining moneys that I need til next pay day!! 

When I call for them to fix it they offer me another loan??? 
And say that theyll credit it towards my next payment which does not help me at all! 
They did this today and it took my money for gas to get to work this weekend and don't have the money
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX  XXXX XXXX Date Opened:XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CO)

I received a notice from " Afni , Inc '', a debt collector. They stated I owed money to XXXX. I knew this was a scam. I don't owe money to XXXX and I called them to double check. 

I would like to report this company as fraudulent. 

This is the information in the letter I received from Afni : Afni, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX, CA XXXX ( XXXX ) XXXX www.afnicollections.com Date XX/XX/2023 2023
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Financial Debt Services, LLC (MA)

Its been over a year and a half since threat calls at all hours of the night and hang ups and threats along with violations in accordance to many lawsuits held against this company for Attempts to collect a debt not owed Communication tactics Filed incorrect information on the consumers credit report False statements or representation Threatened to take negative or legal action Written notification about a debt when in deed none was sent ever and buying off old debt that was related to police reports twice and nothing but pure tactics to torture me because I simply one once before when they tried to take me court and I simply not only had it resolved but because Im on XXXX and have no means to pay they are purely torturing me now. 
Just because I made past payments on this account more than 6 years ago doesnt mean I owe the debt. Some of us are simply not wanting out perfect credit to go down the toilet until we cant keep up paying debt that is no longer ours because we are victimized twice of identity theft and have already shared this info with this company and they still allow themselves too literally add to collections without notice nor hesitation that the debt has not been backed up by any letters and they lied to the Government to keep this on collections to hurt me and many others so they think Im gon na wait for 7 years for over a XXXX credit to just drop off my credit? Im not, Im taking action and I will not stop until this is removed from my credit report the calls stop the threats and hang ups stop and o thought since the last class action settlement they changed the way they robocall? No its all a lie and they continue to threat and threat and never validated any debts only because I paid on the account in 2013 they think I have not been through enough trying to get the company to close this account and have it removed from my credit reports and then they slide in and put the account on my collections the same day it was dropped off and this is double jeopardy and illegal and they have showed me nothing by grief and now not only anger but like I said I am giving them one last chance to fix this and remove this instead of acting like children and making malicious threats especially when they dont know me or my mental status. They should rethink what they say to people and I am too say no more at this time. CONSUMER FINANCIAL PROFITS FROM VICIOUS AND ILLEGAL STANDARDS TO OPERATE THIS SO CALLED BUSINESS AND NEEDS TO STOP ONCE AND FOR ALL.
Consumer complaint received 2020-10-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (CO)

On XX/XX/2019 we traded our XXXX into the dealership and used it to buy a new car. At the point the dealership was supposed to assume and payoff any existing loan, which they did but late, so now I have a " >Account 30 Days Past Due Date< '' payment on my credit report. I have tried contacting XXXX ut my dispputes haven't worked.
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Commonwealth Financial Systems, Inc. (TX)

XX/XX/XXXX - I talked to XXXX XXXX from Commonwealth Financial System : PHONE # :XXXX about a debt collection ( {$980.00} ) on my credit report that is not mine. I asked Mr. XXXX what this debt was about and why it was in collections. He told me it was a debt from XXXX ( hospital bill ) so I tell him I have not been to a hospital what so ever that it was not my debt. Mr. XXXX proceeds to tell me " well if it was identity theft a credit card or loan is more common not medical bills, why would some one use your s.s for medical ''. Mr. XXXX than tells me " well if its not yours, you have to file a police report '' ; so I said okay! I'll do just that. Mr. XXXX continues and tells me " you know if you're lying to a police you can go to jail ''. I'm offended by this point because he's either trying to scare me or calling me a liar. I did not take that lightly what so ever. No one should be accused of lying by any means by " debt collectors '' ect ... ... I know my rights as well. We were in a recorded line so I'd like that to be taken into consideration from the company to review the phone call.
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: BMW Financial Services NA, LLC (AZ)

, I'm writing in regards to my concerns of being upside down financially in my XXXX.

Ive had 3 XXXX 's I've experienced and this is my third. 
I had a salesperson by the name of XXXX at the XXXX dealership on XXXX XXXX and XXXX in Arizona and he basically took me out of my XXXX Lease of the brown XXXX and put me in the XXXX red XXXX. 

We went over pricing things of that nature and how the leasing was different than the purchase. 
However, he never explained that there was going to be an absorption of cost from the lease to a purchase.Instead of the cost being XXXX used rental from the dealership Im upside down of XXXX from the lease that was in my name. 

I work as a Independent Consultant for XXXX XXXX and due to the pandemic we are going thru a reorge reorganization and I found this week. 

So I don't know what other options you can offer me I am in the verge of filing for bankruptcy chapter XXXX in by next Friday. 
I thought you couldn't get a resolution based on my last conversation with customer service. 

I just need to figure some things out.. I feel like I've had to struggle with the car and he put me as a predatory lender in a car that he's no longer even with the company and just for a sale and I've had the car now for two and a half years. 

I would love the option of maybe leasing again possibly or voluntarily surrender /giving the car back. 

I wanted to inform someone of the misinformation the miscommunication that was presented to me to put me my current car financial situation. 
Please advise of my next steps to do. 

Sincerely,
Consumer complaint received 2021-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NV)

The loan was quoted as having an APR of 30 %, when actually implemented, the effective annual percentage rate is closer to 40 % in violation of the 36 % interest cap on XXXX XXXX military personnel. I raised this issue with company, as the effective interest exceeding the statutory limits was NOT disclosed. I have been underwater on this loan since, largely due to the misrepresentation ( fraud ) of their disclaimers and materials.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to formally dispute the inclusion of a XXXX  on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX  should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX  still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-06-17
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX 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 can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-05
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. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CITIBANK, N.A. (IL)

I opened Citibank account XX/XX/19. I was never told debit card was connected to checking account. There is a merchant on XX/XX/19 Citibank is allowing to double charge me. Today, XXXX I was online to see statement and called because it didn't balance and is overdrawn. Also I do Not have overdraft protection so I should Not be overdrawn. But Citibank says I am. I printed the online statement where only {$80.00} appears. {$80.00} was charged and posted on XX/XX/19 for XXXX XXXX in middle of week. Citibank supv. Said Citibank is allowing charge to change Unauthorized!!!!! I called merchant and they had several different names : first XXXX then XXXX. I told her I wasn't married-no XXXX and XXXX not me either. 1. It sounds like someone else used my card, 2. I do not have overdraft protection so this would Not have gone through. I think it's a scam Citibank is doing-it 's days after after posted, and 3. I did not authorize this charge. And I specifically asked for and Confirmed with banker at time opening account that I do Not have overdraft protection. *******
Consumer complaint received 2020-06-01
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. (VA)

I was overcharged apx {$140.00} at the end of my auto loan with XXXX XXXX XXXX XXXX XXXX. I had an ongoing dispute with them regarding this amount for 4 months at the end of my loan period. I finally relented and paid the balance sine I was in the process of purchasing a home and did not want this open balance reflected in my credit report. However a year later I received a refund check and letter from XXXX XXXX dealership stating that I was indeed overcharged. However this is still adversely effecting my credit rating and my ability to get a lower auto loan interest rate and refinance on my home
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you