davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

Equifax previously deleted and removed the following fraudulent accounts from my credit report, but the fraudulent accounts has been put back on my Equifax credit report : XXXX XXXX XXXX, XX/XX/XXXX, unsecured loan, {$4800.00}, XXXX XXXX XXXX, XX/XX/XXXX, auto loan, {$20000.00}, XXXX XXXX XXXX MasterCard, XX/XX/XXXX, {$1700.00}, XXXX XXXX XXXX  XXXX XXXX XXXX Visa, XX/XX/XXXX, {$4200.00} and XXXX XXXX, XX/XX/XXXX, {$14000.00}
Consumer complaint received 2019-10-01
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. (CO)

First, XXXX is correct. 

Experian and XXXX are not and I have contacted Experian, XXXX and XXXX XXXX to correct the information without success. 

XXXX XXXX XXXX had a business credit card with XXXX XXXX that was guaranteed by me. 

The business closed. 
Both Experian and XXXX show the XXXX XXXX XXXX credit card as my having primary responsibility when, in fact, the business had primary responsibility for the credit card and I was the guarantor. 

The business closed end of XXXX. Captial One closed the business credit card account and wrote it off of their books XX/XX/XXXX. 

I made 6 months of agreed upon payments for the period XX/XX/XXXX through and including XX/XX/XXXX. 

Their collections company contacted me XX/XX/XXXX. I contacted the collections company XX/XX/XXXX and have not received a response. 

In addition, when I tried to log onto XXXX  XXXX to see current credit card balance for my XXXX XXXX, I was unable to do because per XXXX XXXX, the account does not exist. 

My credit score is continuing to be dinged because it states : 1. I had primary responsibility to pay the credit card account instead of stating the business 2.States I had no payments XX/XX/XXXX- XX/XX/XXXX. My pmt agreement was made with XXXX XXXX and I was advised at the time that my XXXX XXXX had already written off the business credit card account. 
3. Continues to state I am behind on payment and not making any payments even though the account was written off of XXXX XXXX and no longer exists. 

Once the account was written off by XXXX XXXX it should have been removed from both Experian and XXXX  as a current account so that I am not continuing to be dinged for this account that no longer exists.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2021 : XXXX  XXXX XXXX reported account closed XX/XX/2021 : XXXX  XXXX XXXX reported account closed - again - this is a duplicate
Consumer complaint received 2019-09-30
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. (NY)

I previously disputed a student loan from XXXX XXXX XXXX with the credit bureaus that was unfamiliar to me and they have came back verified. I received a promissory note in the mail which I signed but it was never with XXXX XXXX XXXX. The promissory note that I signed agreeing to the loan is with XXXX not with XXXX XXXX XXXX.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TN)

I have spoke with the originally owner this debt *XXXX XXXX aka XXXX XXXX I have already paid this debt off. This company SUNRISE CREDIT SERVICES Account numberXXXX I have told this company to please remove this wrong information. This debt is paid and full and i don't owe this company money never have. i spoke with XXXX from XXXX  she told me that she updated this info with this company so they can remove this information from my credit report. This has hurt my score so bad that is hurting my living able to obtain certain types of loans and stuff. please company just remove this incorrect information. I have enclosed proof that this debt is paid to the original owners. thanks XXXX XXXX
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX Violated my rights on XX/XX/2021. 

They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).
Consumer complaint received 2022-07-11
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. (NY)

In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the three Credit Bureaus XXXX, XXXX and Transunion have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Account never received my permission and is falsely reporting this Account on my credit report as a mortgage.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OR)

On XX/XX/22 in the morning I checked my checking account. I saw XXXX transactions that I did not approve of. There was a phone number attached to XXXX transaction so I called the number and asked the person why were they taking this money from my account. They said sorry we didn't mean to do it I will back it out. Then the US bank called me and asked if I aproved of these transactions and I said no. When I was speaking with the bank the person put in another transaction and since it was pending the bank was able to stop it. I asked if they would give me my money back on the other XXXX and they said I had to go to my bank to do it. I did several times then I got XXXX letters from the bank stating that " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. 
Why would they call me to ask me if the transaction was ok and I say no and they stopped the XXXX but they didn't give me my money back on the other 3? Claim numbers are XXXX for {$980.00}, XXXX for {$1900.00} and XXXX for {$500.00}. I don't understand why I can't get my money back when I told them when the back call to find out if I aproved these transaction I told them no I didn't
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

XX/XX/2022 I received a email from XXXX  XXXX saying I applied for a loan in which I have not please remove this inquiry off of my credit report
Consumer complaint received 2022-07-18
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. (FL)

Upon reviewing my credit profile, I noticed there is an inaccurate listing. The account XXXX XXXX XXXX XXXX {$590.00} is a very error in reporting.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law The account, therefore, needs to be investigated immediately to publish my correct credit record.
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Your Company is reporting several accounts that are inaccurate on my consumer report. I have sent in several disputes pointing out the inaccurate information. When a consumer report has inaccurate information reporting, the credit reporting agency is supposed to investigate the dispute and delete all unverified and inaccurate immediately. This did not happen. This is a violation of the FCRA. If these accounts that I am disputing are not " deleted immediately, '' I will be seeking remedy for damages under the FCRA.
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (WA)

I Received a bill from XXXX Platinum Credit Card Saturday, XX/XX/XXXX via email, stating that I owed {$19.00} for the XXXX XXXX XXXX XXXX. 
I sent them a secure message via the link provided in the bills email, stating that I did not owe that, but was told it was the incorrect place to send a message and that I needed to contact Comenity Capital Bank. I thought that was who I was messaging. Very Confusing. 
I contacted XXXX XXXX and they verified that I had canceled the club membership XX/XX/XXXX ( XXXX XXXX from XXXX XXXX, verified it ) I sent a dispute letter to Comenity Capital Bank, via registered return/recieved mail, to the address they provided ; signed XX/XX/XXXX, with a stamped signature. My letter explained that I did not owe them any money along with the email verification from XXXX XXXX of my cancelation back in XXXX of XXXX by XXXX XXXX. 
I received a letter acknowledging the receipt of my dispute letter, which was dated XX/XX/XXXX. They asked me to give them 90 days to investigate my claim and that they would notify me of their findings. I have not received an answer to date. 
I received a debt collection letter from Comenity Capital Bank as a response to my cease and desist request sent via the secure message center due to collection phone calls from them, wanting to resolve the matter by having me pay 50 % of the alleged owed amount, late fees and interest. I did not owe any of the money to begin with. 
In XX/XX/XXXX, I applied to receive the new XXXX XXXX XXXX and was turned down by XXXX XXXX, due to negative information on my credit report. The negative reporting was by Comenity Bank/XXXX XXXX. They have reported me being delinquent since XX/XX/XXXX ; which was during the 90 day investigation they were supposed to be doing. 
My credit report shows only one negative account ; which is ComenityBank/XXXX. They show me delinquent from XX/XX/XXXX to present and my credit score has gone down.
Consumer complaint received 2021-01-12
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. (CO)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXX XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2022-03-31
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: NCB Management Services Inc. (GA)

In XXXX, someone in XXXX stole my identity. At the time I resided in GA since XXXX and was working on assignment in Colorado. XXXX Bank contacted me and immediately I went in and we closed the account and opened a new one. In addition, there were other payday companies and creditors this person tried to hit. A letter was sent and all was resolved. 2 years later it was sold to a collection company, when they contacted me I explained what happened provided information and never heard from them again. This company XXXX seems to keep refreshing the date so that it will never fall off. It has been 9 years and if anything this should still not be reporting on my credit report, better yet it was identity theft and they keep updating to keep it on there. I have tried everything. Please help. 

Thank you
Consumer complaint received 2022-07-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Alliance One, Inc. (CA)

On XX/XX/XXXX I received a notice from the Franchise Tax Board that my State refund was intercepted by Alliance One on behalf of the Superior Court County of XXXX XXXX. I contacted Alliance One, and spoke to a gentleman who stated he did not know what the debt was for, they did not have any records of what the funds were for originally. They referred me to the FTB of California, and suggested I ask them about any account information they may have. When I contacted them, I was told that they did not have any information in regards to the interception of my refund and they referred me back to Alliance One. Again, I called Alliance One at ( XXXX ) XXXX and informed them that the FTB does not have any information about a debt I owed that would cause the interception of funds from my State Refund from the tax year XXXX. They still could not provide me with any information about the debt, they couldn't provide a statement or a demand of monies. I was left with the statement " I don't know what to tell you. I can't give you what I don't have ''. That was the statement from Alliance One. After those 3 phone calls, I then contacted the Superior Court of XXXX XXXX XXXX. The clerk I spoke to looked up my name and did not see any open case, any unpaid fine, nothing. 
She researched the account number I was given and she could not find anything under that account number. She told me she would look into this further and call me back. After approximately a week, without receiving a call back, I called the Superior Court again, and the person I spoke to told me that she never found any information that I owed a debt for the court. The court showed I had a seatbelt ticket 10 years ago ( XXXX ), but the case was satisfied and closed. I've had numerous credit reports pulled in the last 10 years. Many times, when I purchased my home 5 years ago, and nothing on that report showed I owed for anything in Superior Court for XXXX XXXX XXXX. The court does not have record that I owe them money and I never received any statements from Alliance One requesting payment of monies. They did not notify me prior to intercepting my funds, nor did they try contacting me to collect any fine. I don't believe they intercepted my refund legally and I've written them to request they return the money. I sent the letter on XX/XX/XXXX requesting they refund my tax return money of {$440.00} they they took and I have not received any response from them, written or otherwise. Please let me know what I can do to get my refund sent back to me.
Consumer complaint received 2019-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received notification of a new debt that was added to my credit report. I am not aware of the origin of this account. I contacted the credit bureau involved and the debt is still reporting to my credit report. The debt is from a company name XXXX XXXX and the original creditor is XXXX. I do not have a cell phone from nor have have I had a phone from XXXX. I would like this collection attempt to be removed from my credit report ; It does not belong to me.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (CA)

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (NC)

In accordance with the fair credit reporting act XXXX  account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (FL)

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Community Choice Financial ( operating as Check Into Cash ). On XX/XX/2022, A loan with an APR of 132.46 % and additional fees totaling {$90.00} ( {$45.00} finance charge, {$40.00} transaction fee, {$5.00} verification fee ). These terms are predatory, excessively costly, and raise significant concerns under consumer protection laws. 

Key Issues : 1. Excessive APR and Fees : The APR of 132.46 % and excessive fees far exceed reasonable lending standards, trapping consumers in debt.

2. Ballooning Balance : Despite a {$400.00} loan, the balance has now increased to {$480.00} in a short period, showing the predatory nature of the loan structure.

3. Affiliation with TitleMax : Community Choice Financial is now associated with TitleMax, which has been penalized for illegal lending practices. I believe my loan may involve similar unethical practices.

Requested Resolution : Full investigation into the legality of the APR and fees charged.

Immediate removal of this loan from my credit report, as it reflects predatory and unfair practices. 
Refund of any unlawful charges or interest accrued. 

I believe this loan is a violation of fair lending practices, and I request urgent action to address these issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-25
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. (NC)

In accordance with the Fair Credit Reporting Act 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 instruction.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXXXXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX Select Portfolio Servicing Inc. was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over XXXX phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within XXXX, XXXX XXXX XXXX. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on [ date ] I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.