davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Credit Services Inc. (MA)

First Credit Services has sent at least 2 texts to my landlord who is responsible for my housing. There would be no reason at all on this earth why they should have his phone number. 
They did not reach out to him with the purpose of getting my contact information to resolve my debt with me. They texted him links that direct to a web page citing my debt amount and the original creditors name. 
They provided him link to settle my debt. And the text on XX/XX/XXXX had an option to text stop to cease the texts. He replied to them to stop. They did not. They texted him again today XX/XX/XXXX. With more links to settle my debt exposing my information. 
I am humiliated, violated, and am terrified about how this is going to affect my housing.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ChexSystems Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Update of Personal Information Dear Sir/Madam, I have recently moved and changed my phone number. I am writing to request an update to my personal information on my credit report. Please find below my updated details : XXXX XXXX : ** XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX -Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX  XXXX XXXX, CA XXXX -Phone Number : XXXX XXXX ) XXXX -Phone Number : ( XXXX ) XXXX -Employer : XXXX XXXX XXXX XXXX -Email Address : XXXX **New Information : ** XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX -Phone Number : ( XXXX ) XXXX -Employer : XXXX XXXX XXXXEmail Address : XXXX Attached are copies of documents to verify my identity and the changes requested : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/XXXX -- -
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IA)

I have had a previous issue with this company in regards to the amount of {$5500.00} being taken out of all of my account without my knowledge or my permission that incident happened on XX/XX/XXXX of 2024 after many phone calls with chime customer support and also filing complaints with the CFPB complaint id # XXXX and with the BBB the matter was resolved. On XX/XX/2024 I received an email which I have provided in the documents stating that a credit in the amount of {$5500.00} has been issued to my account. Upon looking at my account a total of XXXX of the XXXX transactions have been credited back to my account totaling {$230.00}. Since the date of XX/XX/2024 I have been in contact with the chime dispute department nine times asking for reasons that the entire amount has not been refunded.i have received answers such as they are having computer problems and i need to call back at a later date. I have also been told that the original i dispute filed with the company about not receiving the full amount of my credit has be escalated 4 times included i have submitted pictures of the email and also the daily history of my account including the money that was credited to me
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

I used my personal BestBuy card to purchase XXXX XXXX & gave XXXX  the bill, she had set it up on autopay, and chose paperless statements, which I never knew that no statement was coming, so I never saw a stmt, I had XXXX XXXX XXXX  XXXX months ago, but saw that this credit card was autopaid each month, so I was letting autopay each month pay down the balance. Today I was turned down for my mortgage because of an over {$5000.00} XXXX on this card just posted and killed my utilization and credit score. Last month my balance was {$2400.00}, and I haven't gone into this store in years. I called BestBuy, I was on phone from dept to dept for hourse trying to find someone that could help inform me why my balance doubled in one month. First girl didn '' t speak XXXX understandably. then transferred, manager was rude and rushing me through the whole phone call, then transferred me to citibank credit cards. BestBuy informed me that since I failed to pay entire balance by end of promo period, deferred interest was added to account. They added $ XXXX in interest on my {$2400.00} balance, after I have paid $ XXXX for over 2 years! Which means a TV I have no memory of buying cost me over {$6000.00} for a {$2200.00} TV! I never got a statement, never knew it was set on paperless, I never knew about a promo period of deferred interest, nor did I agree to it! The Store tells me now that " I had to have chosen promo period '' at the time of checkout, but I DID NOT! Their salesman could have done that! I knew nothing about it! I am XXXX XXXX XXXX, on social security, and they just destroyed my chance to re-finance my mortgage because of charging me a {$2100.00} interest charge on purchase I have been making monthly payments on for two years. They swear it was me who purchased, and had delivered to my house, when I asked what address it was delivered, they told me they don ; 't have that info. I begged them to extend the Promo period and allow me to pay the balance in full, CitiBank informed me it was too late! They just broken record me over and over that once the period ends, its too late to do anything! How can this be legal? When I finally was able to see a statement, the warning this huge deferred interest charge would post if not paid in full is so small, I never would have ever seen it anyway, even if I had been getting statements! This is so unfair! I feel robbed!! Having an over {$5000.00} balance reported to the bureaus also kills my credit score! This is extortion! Now, I can't get my mortgage refinanced unless I pay this over {$5000.00}!!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Legal Department, RE : MY ACCOUNT Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If youll review your records I think that you will find your reported notations are not only invalid and incomplete, but both inaccurate and incorrect. 
The erroneous status of your credit reporting records and methods is/are unacceptable and is causing me hardship. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to this account : 1. A copy of the original credit application showing the terms of the agreement.

2. Original documentation used to compile a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted.

3. Copies of all original documents and financial instruments that have been used by your company that has authorized you to post the disputed late payments to my credit file with the named credit bureaus above in concern.

4. Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.

5. Copies of all documents sent to me regarding this account.

This information and documentation is critical and time is of the essence. Within less than 15 days, I will be damaged partially because of the discrepancy of your reported records. The above noted code requires your response within fifteen ( 15 ) business days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below.

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to the above said bureaus in order to remove the negative notations and provide me with a letter indicating that the negative item ( s ) has/have been removed. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
Thank you in advance, Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MN)

A company named XXXX contacted me they told me that they are a collection agency who behalf XXXXXXXX company. I call them we agreed to pay {$92.00} then they will remove the inquiry on my credit report. I did pay {$92.00} on XX/XX/2018, and still, the inquiry is on my credit report. any time I talk them they say we will remove next week. I am tired calling them because anytime I call them they put me on hold about 45 minutes. please help me to solve this issue. 

Sincerely,
Consumer complaint received 2020-12-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Fair Financial Corp. (PA)

I initiated my return with Fair corporation on XX/XX/2020. They were to pick up the car within 3 days. It took them 8 days ( for which I had to maintain all liability insurance ). During this time since the car was still in possession they drafted a payment from me but assured me theyd backdate the billing and refund me the full amount owed. The car was in excellent condition ( I have video and photo proof ). I have called Fair many times over the past two months and there is always an excuse as to why they are unable to refund me. A ticket has been entered for my issue as of XX/XX/2020 # XXXX. I called back on XX/XX/2020 and filed a complaint as I was told no one had even looked at the ticket. The representative escalated my concern to a complaint and yet, here we are at the end of the month and again they have not contacted me nor have I been refunded. They stated there is an internal issue with their billing system but that is not my problem. They are withholding {$650.00} from me during a pandemic and at XXXX time with zero sense of urgency or care now that Im no longer a client of theirs.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXXXXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-09-19
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: FC HoldCo LLC (TN)

I would like to report several unauthorized hard inquiries on my credit report. The following inquiries were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date not specified I did not authorize these inquiries and am concerned about their impact on my credit score. I request that these inquiries be investigated and removed if found to be unauthorized.

Thank you for your attention to this matter.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CT)

I have received contionous forwarded mail from CREDIT CONTROL LLC located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a mailing address of XXXX XXXX XXXX XXXX XXXX XXXX and with a reference number of XXXX. I have never done any business with the company as described here and within this complaint. I attest that this matter is the result of fraud and identity theft. I am unaware of the company and I do solemnly swear that I do not owe any amount of debt to the company, it's associates and or it's affiliates. I do not know the company and I have no business personal or professional with them.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (NC)

I am writing to formally request your assistance in addressing and rectifying an issue with Jefferson Capital, who is unlawfully and illegally reporting false information on my credit report. These inaccurate reports are significantly diminishing my creditworthiness and causing substantial harm to my financial standing.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to report accurate and verified information to credit bureaus. In my case, Jefferson Capital is reporting false information related to the debt at hand.

Furthermore, I would like to emphasize that I have never signed any written agreement or contract with this company. The reporting of this account and any associated obligations without a legally binding agreement is in clear violation of my rights under the law. Without a valid contract or written consent, Jefferson Capital has no legal grounds to report this debt or any related information to the credit bureaus.

I have attempted to resolve this matter directly with Jefferson Capital, but they have failed to correct this erroneous information. Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information, and the reporting creditor is obligated to investigate and rectify these inaccuracies. Their continued reporting of false information violates the law and is causing unjust harm to my credit.

I respectfully request that the CFPB investigate this matter promptly and require Jefferson Capital to remove these unlawful entries from my credit report. The presence of this inaccurate information is causing significant hardship in my financial life, and I am seeking immediate relief. 

Please let me know if you need any further documentation or information to support your investigation. I appreciate your time and attention to this urgent issue and look forward to your prompt response.
Consumer complaint received 2023-05-25
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge 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: Mercury Financial Intermediate LLC (SC)

XXXX employee spoke with Mercury XXXX XXXX  people on my behalf. They spoke XX/XX/XXXX and I ask both if was ok for me to record call. They gave me permission to record because I been trying to get this fix for months. So they talk on XX/XX/XXXX for XXXX minutes and XXXX seconds. XXXXXXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX told Mercury XXXX XXXX  that my debt been fixed. They told them I no longer owe them a balance and that everything been resolved and fixed. Plus I got a current rental car with XXXX for XXXX weeks and I will be returning tomorrow. You know XXXX wouldnt allow me to rent if I owe them a balance.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Allow me this opportunity to thank you, the Consumer Finance Protection Bureau ( CFPB ) for protecting our consumer rights against these dirty, unethical and almost illegal credit reporting agencies, debt collectors, lenders and creditors. You are contributing nicely to protect us the consumers from the above-mentioned nasty and harassing entities. I was very upset and incensed when I learned that the Trump team reduced funding for the CFPB. I suppose Trump and his team should sit down and re-consider what they have done and reverse their bad decision. 

I am writing to you regarding a list of inquiries that has no business being on my credit profiles. I wrote to Experian and XXXX and mailed the letters out by certified mail with return receipt requesting a copy of my application-for-credit with my signature on it. No results so far from XXXX or Experian. They could not even care enough to send me a response. This is a gross violation of the Fair Credit Reporting Act. These corrupt credit reporting agencies are in bed with the greedy creditors and lenders ; they feed of each other. 

Please order XXXX and Experian to delete the inquiries as they are interfering with my ability to obtain credit and move on with my life. 

Thank you very much CFPB.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC (OH)

XX/XX/year> at XXXX XXXX I received a text from Shepherd Outsourcing attempting to collect a debt that is not mine. I verified the debt is not mine by checking my annual credit report.
Consumer complaint received 2023-05-25
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. (NE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
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. (CA)

I previously sent you a letter on XX/XX/2023 but I have not received any response from you. As per the FCRA, it is mandatory for you to provide a response within 30 days.
Consumer complaint received 2023-05-25
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
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. (PA)

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.