davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i WOULD LIKE TO DELETE THE FOLLOWING ACCOUNTS AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO Me XXXX XXXXXXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX & XXXX ( XXXX ) OPENED XXXX/XXXX/XXXX XXXX  XXXX ( XXXX ) OPENED XX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Inaccurate reporting, the account attached is in litigation. Under the doctrine of Estoppel by silence, ENGELHARDT v. GRAVENS ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Also, see attachments.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

EVEN AFTER BEING NOTIFIED THEY ARE CONTINUING TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I WILL BE NOTIFYING THE FTC THAT THESE ACCOUNTS WERE DONT FRAUDULENTLY AND MY IDENTITY WAS STOLEN.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

( XXXX XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a credit card opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ) a credit card opened at XXXX XXXX, XXXX on XX/XX/XXXX under the account number ( XXXX  ) a loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an mortgage loan at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an inquiry at XXXX XXXX XXXX  on XX/XX/XXXX an inquiry at XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2016-01-12
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Cypress Collections (CA)

In XXXX I had a medical bill from XXXX XXXX XXXX. I did not have the money to pay the debt at the time. I sent a cease of communications after talking to Cypress Collections. I spoke to XXXX then, who was very rude and would not work with me. On XXXX/XXXX/XXXX, I reached out to Cypress Collections and asked to speak to a Supervisor. I then waited briefly and spoke to XXXX who claimed she was a Supervisor. XXXX then stated she was a supervisor/ manager/co-owner who did not want to work with me and then kept interrupting me as I spoke and kept telling me ; '' no and it 's not going to happen. '' XXXX then disconnected the phone call without an cause or informing myself. I did pay {$50.00} to XXXX XXXX XXXX on XXXX/XXXX/XXXX and stated the following ; " to make a payment on the account as I know it 's past due. ''
Consumer complaint received 2016-02-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (IL)

I sent a wriiten letter to the corporate office of 1st financial loan asking them not to contact me because they were calling three to four times a day six days a week. They continue to call me from different phone numbers some just hang up oncethe call gets answered by my voicemail. Today on XXXX/XXXX/2016 I received a call from XXXX which left a voicemail saying it was from corporate office asking me to call them about some appointment that I never made.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Experian Credit Bureau has been and currently still is reporting erroneous information/dates and they refused to reinvestigate, update, and now delete the items after numerous attempts and disputes. I had a charge off from an old XXXX credit card that has since been deleted due to statute. I paid this debt in a settlements through XXXX in XXXX of XXXX ( should have been deleted in XXXX of XXXX ) and also present another old collection XXXX XXXX XXXX paid in XXXX XXXX ( scheduled to drop off XXXX in reality however Experian has added on an additional year and months to remove in XXXX!!! ) Experian is guilty of the following : 1. Reporting the last dates of delinquency erroneously/inadequately. 
2. Failing to update status to CLOSED XXXX XXXX XXXX. 
3. The original debt ( XXXX ) had been removed and XXXX XXXX should have been also. 
4. The statues have expired. ( NY 5 Years from 1st delinquency ) 5. The false information reported has caused an application denial for a {$25000.00} housing grant in XXXX. 
At this point, after exhausting all efforts to have them report the correct information, I will now pursue legal action against them. I have any and all proof of the above as requested.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

I received a hard credit inquiry on my Experian Credit Report from a Payday Loan company called " XXXX XXXX '' and I did not apply for a loan with this company. I called the company to report the fraudulent credit inquiry and have not received any response in over 24 hours. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. I am not the first person to report this type of fraudulent activity from this company as I 've seen other complaints online ( and XXXX that was resolved on this site ) as well.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was attempting to access my free credit report via XXXX and requested it from Trans Union, XXXX, and XXXX. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions were about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking Trans Union, XXXX, and XXXX to send me my credit report, preferably online, immediately.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MI)

I am a victim of identity theft. I have disputed the items and they were removed after being proven they are not mine and the same exact debts have appeared back on my report for a second time after being sold to someone else again and the bureaus continue to re-insert the item. I have also requested to remove the fraud alert in writing for a short period and they did not do that either.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXXXXXX and/or TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Request for XXXX XXXX XXXX - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX  XXXX Account Number : XXXX ] for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least XXXX  days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my XXXX XXXX. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : I am attaching a letter showing that the creditor did not respond to me within the XXXX period, in which I formally request that detailed proof be provided to me regarding this specific item. '' [ per 15 USC 1666 ( b ) ] which has been adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than XXXX  days before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. 


Date of reported late payment : XXXX / 2024, XXXX, XXXX XXXX
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was reviewing my TransUnion credit report online, obtained through annualcreditreport.com and then, for no apparent reason, " your account has been temporarily suspended '' came up. I was unable to view the report after that. I complained to TransUnion and proceded to get the run-around calling several different phone numbers with no success. I tried to start over again but was blocked because I had already received the report. I have been the victim of ID theft in the last week. I also saw an incorrect entry on the TransUnion report, in the brief time I had to view it, but had no luck in getting it removed.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was in contact with Transunion today XXXX/XXXX/2015, in an attempt to dispute hard inquiries currently showing on my credit file. I spoke to Customer Service Representative by the name of XXXX. He stated that I could not dispute inquiries, because they were factual. I needed to contact the company directly in writing. I have written and spoke to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I then asked to speak to a supervisor. After being placed on hold several times, I was connected to XXXX who stated he was a supervisor. I explained to him what I was trying to do. He, in turn, stated the same thing as the customer service rep. I then informed him that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. I currently have the following inquiries to be disputed : XXXX XXXX XXXX XXXX XXXX/XXXX/2015 and XXXX/XXXX/2015 XXXX XXXX via XXXX 's XXXX XXXX XXXX XXXX/XXXX/2015 XXXX via XXXX XXXX XXXX/XXXX/2015 I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation.
Consumer complaint received 2016-01-09
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

On XX/XX/XXXX, I received a voice message from XXXX XXXX, who notified me about legal action will be taken against me. She threatened to visit my home on XXXX to obtain my signature on her paperwork. XXXX XXXX did not indicate which agency she is representing, but she left a phone # XXXX & reference # XXXX to follow up ; I called the number, spoke to XXXX XXXX of XXXX XXXX ; he retrieved my file, advised me that I applied for loan dated for XXXX XXXX, XXXX ; he threatened that legal action will be taken against me ; he asked if I was in the position to pay the account ; if so, he might be able to stop the legal action ; I verbally did not acknowledge the debt ; I told him that documents need to be sent to me for review ; I do not call this loan, I have not received any notifications about this loan until now. I am alarmed and harassed. I believe this is a scheme to access my personal information from strangers
Consumer complaint received 2015-09-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TN)

In XXXX I was late making my payment by a few days and was charged a late fee. In XXXX I filed timely and was charged a late fee. In XXXX I made my payment timely and was charged a late fee. In XXXX I made my payment timely and was charged a late fee. I have increased my payments and have never been late since. They have continued to charge late fees and others fees for the last 9 months. I have continued to be timely in my payments and have even increased my payments during this time. Now I am getting collection letters.
Consumer complaint received 2016-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (CA)

Earlier last year an account popped up on my credit report that I did n't owe. When I tried disputing the account through the credit agencies, I got some letters back stating that I owed this money. For months I tried to fight it and could n't get anywhere so I hired a company a few months ago called XXXX XXXX XXXX to look into this debt for me. 

Back on XXXX XXXX of 2015 XXXX, who I will refer to as XXXX, sent the collection agency NCC Business Services my authorization to speak directly to them. A few weeks later XXXX. tried calling NCC so they could discuss the account and NCC kept giving them the run around about how they had n't received the authorization. Finally on XXXX XXXX a representative named XXXX from NCC answered the call and spoke with my representative XXXX about the debt. My representative asked for debt validation and an itemization of the debt. He was given an e-mail to ask for this validation and itemization. My representative did so and has awaited for this itemization. He was told 3-5 business days as a time frame to receive this itemization and he never received it. 

On the XXXX of XXXX my representative then called NCC again as he had not received the itemization and re-requested it. again he was given the same e-mail as before which is XXXXXXXXXXXX. Again he was told to request the itemization by e-mail from a representative named XXXX. Again he did so. He was also told by the representative XXXX that no prior e-mails were received by his company even though the e-mail provided was confirmed as the correct one. XXXX also reiterated that it would be 3-5 business days to receive this e-mail. 

On XXXX XXXX my representative called once more as he had not received anything again. He got into an argument with the collector as again he was being told that no request for itemization was ever received or " uploaded into the system. '' Because they had failed to provide the itemization within their own allotted time frame, and because they were n't even acknowledging that they had indeed received a request for validation, I am now submitting this complaint to you so you can look into their failure to adhere to the F.D.C.P.A. they are jeopardizing my credit and they ca n't even prove that this debt is mine! 

I will provide you with all the e-mails and phone calls my representative forwarded me so you can see that NCC Business Services is not doing their job properly and breaking the law by reporting an account they ca n't validate.
Consumer complaint received 2015-11-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (MN)

I have had stellar payment history with my Wal-Mart credit card. I was granted a {$5000.00} credit limit on my Wal-Mart credit card. I even received a very recent increase in the amount of cash I could take out in addition to my purchase -- -it went from {$80.00} to {$200.00}. On XXXX XXXX, 2015, I made a purchase and took out cash. I have attached the documentation showing the purchase and cash advance. Within one to three days, I noticed that my {$5000.00} credit limit decreased to {$330.00}, which is nearly identical to the purchase I made on XXXX XXXX, 2015. This left me with an available credit of {$5.00}, which is highly suspicious that the issuer of the credit -- Synchrony Bank -- slashed my credit to nearly exactly what I owed for the purchase I made. I called to Synchrony Bank, the issuer of the Wal-Mart card, and was told the adverse credit line decrease was because I was XXXX and " some of it had to do with your credit. '' Not only was my race and ethnicity as a XXXX used to discriminate against me and take adverse action against my credit line, which dropped over {$4000.00}, but I was told that there was no internal procedure to file a complaint. I demanded to speak to a supervisor to file a Fair Banking Practices and Equal Credit Opportunity Act claim against the bank ; however, the supervisor I spoke with did not care and stated she was not familiar with any of those laws. So Synchrony Bank is out of compliance in many, many ways, but more importantly, my entire {$5000.00} credit line was slashed for the stated reason that I am XXXX and " some of it had to do with my credit history. '' As you will note on the attached adverse action letter, they are using a credit score pulled in XXXX 2015, which is nearly three months old and outdated.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Or XXXX XXXX XXXX I would like to file a complaint against Concora credit Destiny Mastercard and XXXX XXXX XXXX XXXX for violation of the consumer law in XX/XX/year> i went on Medical leave i file a claim with XXXX XXXX XXXX  XXXX but XXXX XXXX XXXX XXXX failed to make a payment on time to my credit card acct but the predator concora credit Destiny Mastercard Overcharges fees and interest this is a rip off consumers plus monthly {$19.00} charges during the time of my medical concora Destiny mastercard started reported my acct past due to all three credit bureaus and i still on medical all the payment concora Destiny Mastercard received used as a fees and interest also i was charges fees for cash advance but i have never used my card for cash advance i supposed to be protected during my Medical leave but i didn't until today my credit card still negative balance i don't know happen to all the payment i want to see action taking against both companies for violation of the consumer law I want CFPB to share all the information with Government agencies.