davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
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. (NJ)

Once again I notice Erroneous and Wrong information on my credit reports regarding the account of XXXX XXXX Bank .... See attachment!!! 

On XXXX they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On Equifax they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On Experian they report : " Times 30/60/90 days late '' XXXX ( 8 ) late payments, but see experian pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact XXXX XXXX is reporting inaccurate and inconsistent information on 3 different credit reports.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX of XXXX, I ( XXXX XXXX XXXX paid off my XXXX Student Loan dept in full. Until this day of XXXX XXXX it is still reporting an open balance {$1600.00} as of XX/XX/XXXX. 

2 issues, the balance is incorrect and the last update was back in XXXX. It is showing closed But when I try to go and apply for a loan it is still showing that I owe that amount on there end I have contacted both trans union and XXXX XXXX XXXX  and yet the issue still have not been resolved. I need immediate action to be done. Ive sent out letters back to back to XXXX, us department of education, transition, experience and XXXX XXXX and waited on a response, still nothing has been done!
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc. (NC)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. XXXX is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!
Consumer complaint received 2023-05-22
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: WELLS FARGO & COMPANY (GA)

In accordance with the fair credit Reporting act Wells Fargo Dealer Services, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Payday loan and multiple attempts to cease monthly increase in payments after account has been closed and charged off. Santander continues to report account and charge additional fees. All three credit bureaus made aware of this. I also called Santander requesting my tax form for irs. Never emailed as stated by bank rep.incorrect payoff of loan documented not to mention the loan now engulfed to over XXXX with monthly charges since charge off which they have gotten a tax break for? 
Not to mention letters sent to all bureaus for removal due to inaccuracies due to additional monthly fees. All documents are available to show outstanding increases after charge off. 
Due to the false and fraudulent information Santander continues to report I would like this account removed swiftly from all 3 bureaus.
Consumer complaint received 2021-04-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have submitted several dispute cases and several requests for reinvestigation with little progress in correcting inaccurate and fraudulent information on my Experian credit report. On XXXX I sent a signed 609 letter to Experian customer relations containing identity documents and items I was requesting investigation on and requesting that all documentation be requested from the reporting party and provided to me by mail or email. The timeline for Experian to at min acknowledge my letter was clearly stated as 30 days from the date the letter was received by Experian using regular mail. I received no acknowledgement, no documents and there was no change or indication anything had resulted from the letter on my credit report. Out of an abundance of caution and to ensure that Experian received my written request I sent a follow up letter that included with it the original letter sent XX/XX/2021 and identity documents. I stated in the follow letter that I would extend the deadline to be provided documentation for each item requested, however, once again I have had no response from Experian, received none of the documents requested from reporting companies and there has been no changes to my report that would indicate any action has been taken. This is all in clear violation of the Fair Credit and Reporting Act section 609.
Consumer complaint received 2024-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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: Ability Recovery Services, LLC (WA)

Between XX/XX/XXXX - & XXXX XXXX Ability Recovery Ser. illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$710.00} XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$730.00} XXXX XXXX, XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) illegally reported an improper use of report to XXXX, XXXX, & XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) illegally reported an improper use of report to XXXX, XXXX, & XXXX far a hard inquiry XX/XX/XXXX XXXX XXXX XXXX ( Auto ) illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX  XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX illegally reported a hard inquiry to XXXX, XXXX, XXXX XXXX for a hard inquiry. 
XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  ( XXXX XXXX, SD ) illegally reported an improper use of report to XXXX, XXXX, & XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. ( 15UCS 1681 SECTION 604 A SECTION 2 ) States that a Consumer Reporting Agency " can not furnish an account without my written instructions. 15USC 166B : 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 2021-04-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

My vehicle got shut down after fixing the vehicle after having an impound in four years straight I was unable to pay car loan monthly payments because of in an out jobs Ive been working for the past five years trying to make ends meet when I got the car I thought I was gon na be able to afford it but I always ran into a financial issue that would not allow me too afford any car payment so ISo I continue to drive the vehicle until it was shut down hi caught multiple speeding tickets and my license got suspended because the cop said that my vehicle was unsafe so theres nothing that I can do to try to fix the situation
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/2022, my attorney deposited a check into my account. The funds are in my account but someone has place a hold on my account and will not remove it. I do not have any garnishments nor do I owe the bank. The hold should have been removed on XX/XX/2022. They will not tell me why the hold is placed. Everyone I've spoken to says they don't know why.
Consumer complaint received 2021-04-24
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. (MS)

The first XXXX was a negative report.I disputed was untrue report I never had a XXXX $ account never paid on account. it was disputed. settled to delete report .I 've had four more disputes when completed .it was agreed to delete false reports ..the negative reports reappeared. next time I checked .every report that was supposed to be completely. deleted. Also before, I had a opened account with XXXX XXXX.My beacon was XXXX, XXXX, & XXXX. I had four loans in my credit reports. by XXXX  employed person I'was told to dispute the fact they not on credit reports anymore. they were submitted by loan company credit my signature loans thou had been taken out .because of false report sent by bluestem XXXX XXXX. 
I was not lieing at all. Reduced credit the to4.6 the employed person by these two companys are not educated they don't understand how to add interest. late fingerhut is 1day late adds the next months payment. 
the amount of interest is no extra money added to payments scheduled. i payed the false late amount to prove what they are doing to me i paidXXXX $ XXXX XXXX XXXX payment .that amount was supposed to be subtracted from the the remainder payment instead false amount was added three extra interest payments that don't subtract from remainder. If they handled late interest to late payment.it only being interest for the payments being late. The company would not send a credit report to correct the information with report that account had been ( paid and never late ).
Consumer complaint received 2021-11-12
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: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-05-05
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MD)

I have another case open. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 I'm now facing another situation caused because of this pending case on the issue of a balance transfer being pulled twice from the XXXX  credit card by Discover and being charged for 2 balance transfer fees. Now because they pulled this twice, my account with XXXX had a negative balance, which was fine however, when I originally did the balance transfer it said that the most I could transfer was {$8100.00} for a 18 month 0 % interest. But discover did the balance transfer twice and now they are charging me interest and due payments on the second balance transfer and the balance transfer fees. These are completely unacceptable practices. If I'm have a pending case regarding something that effects interest, balance transfers, and fees than my whole account should be put on hold. I had high hopes for Discover as a new credit card for me, my family, and our business but my hope is diminishing very quickly! Completely shocked at the actions of this company.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Greetings, 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. This account from XXXX XXXX XXXX XXXX ( Alledged balance of 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 a 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.

I have reason to believe that this debt is invalid as I was never hospitalized in XXXX, and upon calling I was unable to inquire about this due to HIPAA regulations. However as someone who allegedly owes a debt, I am entitled to an investigation and a debt validation provided to me.
Consumer complaint received 2021-04-24
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 — Was not notified of investigation status or results
Company: Receivables Performance Management, LLC (CA)

I am trying to improve My credit score so I can move my Family of seven into a three bedroom apartment instead of living in only one room period. I called Receivables Performance Management onXX/XX/XXXX to delete, remove or erase the negative remarks or comments from my charged off account that is reporting negative to the credit bureaus. They said they would be happy to help me resolve this issue by payment plan, settlement, or payment in full of {$380.00} before thirty days. I asked for the best possible out come and they indicated payment in full would lead to a positive reflection on my score. I chose the settlement option of two part payment of {$100.00} for the total of {$210.00} because I had no assets to liquidate for the full amount. I waited 45 days and pulled my credit report, still reporting the same negative comments. One year later I called in several time to see what happened, they indicated it's in their policy to deny any such requests and refused to continue the call and they hang up on me each time. Receivables Performance Management indicated I have no rights under the law to challenge their policies and I would not be able to depute this item on any of my reports to get a better score for the benefit of my family 's living condition, So I need to start Accepting it ASAP period!!!!!!! Theirs no law to challenge this on my behalf. This is the mine set of this company.
Consumer complaint received 2021-04-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (TX)

To whom it may concern, I am writing to advise that the company LoanMe has stolen thousands and thousands of dollars from me. When I initially applied for the loan, I was never given the interest rate of the actual loan. I was told that I would only pay a fixed amount for two years, and when I called them recently, they said that I need to pay an additional 2 years. 

The loan I borrowed was less than {$3000.00}. If I continue paying for the next 2 years, I would have payed them more than {$20000.00}! How does that make sense??! That is an interest rate more than 100 % that I was never told about! 

LoanMe is stealing money from me monthly, {$290.00} to be exact, and I want out of this evil contract. I have called multiple times, but no answer. In fact, the last time I actually spoke to someone they said that I would need to pay around {$2000.00} to be released from my loan. 

Please assist me with this matter! I want nothing to do with this company EVER AGAIN!
Consumer complaint received 2021-04-24
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. (WI)

I have sent request about my address being updated to the 3 credit bureaus. XXXX XXXX of 2021, and now atempts for XX/XX/2021. Trans Union and XXXX  seem to be having a hard time adjusting to my concerns and request to update my Address as they keep attaching addresses that have never belong to me or previous addresses where I have no means to get. Mail or my personal information can be envisioned by residencies unknown to me or vital information about me at their disposal.
Consumer complaint received 2021-04-24
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: Phoenix Financial Services LLC (TX)

On XX/XX/2021, I submitted a complaint through the CFPB portal, complaint number XXXX, regarding XXXX investigation into accounts showing on my credit report with data furnisher Phoenix Financial Services. XXXX  responded to the complaint on XX/XX/2021 stating the data furnisher, Phoenix Financial Services responded and verified that the disputed information was accurate as reported. I never received any response or documentation from Phoenix Financial Services showing the alleged debts and alleged accounts to belong to me. XXXX also stated in their response that the results summary was sent to me for my review on XX/XX/2021. I received a response from XXXX  online although I sent dispute letters in writing. 

In XXXX  online alert on XX/XX/2021, XXXX stated The account that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX  that the information is accurate. I also received an alert dated XX/XX/2021 that the account with Phoenix Financial Services that starts with XXXX has been updated. 

I sent a letter dated XX/XX/2021 to XXXX  requesting verifiable proof that they have on file including the original contract containing my signature be provided to me. If the accounts were indeed verified with Phoenix Financial Services there should be an original contract on file with XXXX  or Phoenix Financial Services that contains my signature that I should be able to view myself according to the FCRA. The dispute letter I sent to XXXX  dated XX/XX/2021 is what resulted in XXXX response on XX/XX/2021 although online XXXX  shows my dispute with a Date Submitted of XX/XX/2021. 

There have been no contracts or any documents at all bearing my signature, for the alleged debts, provided to me by Phoenix Financial Services or either of the 3 major credit bureaus. Documentation without a written signature does not validate the debts and anybody can send a response or furnish any information and say it is mines. According to the FCRA, XXXX  and Phoenix Financial Services have violated my rights as a consumer and I am requesting legal action to remove these accounts immediately from XXXX  and any other bureau these accounts have been reported to.