davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (SC)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-10-15
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I went into Ace Cash Express on XXXX XXXX in XXXX on Saturday to obtain a payday loan, as I sometimes do when my child support is late. 
The rep there, XXXX, asked me how much I wanted to borrow. I told her that it all depended on when the loan would be due, as I get paid from my job on Thursday ( if a loan is paid during a certain period of time, no interest would be required ). She told me that - if I paid the loan by Thursday, I would n't have to pay any interest. I then told her, in that case, I would borrow {$200.00}. XXXX proceeded to complete the paperwork for the loan. 
After I was approved for the {$200.00} and I signed all of the loan documents, XXXX then said to me, " Oh, you 'll have to pay it back by Wednesday, not Thursday ''. I asked her how much I would have to pay in interest and she stated {$47.00}. I told her ( since the initial information she gave me was WRONG ), that I then only wanted to borrow {$100.00} ( because I certainly do n't want to pay {$47.00} for such a short period of time ). She then snapped, " Now I 'm gon na have to do all this paperwork all over again! '' I told her, " Well, YOU gave me the wrong information about WHEN it would be due! '' She then said, " Well, I thought you would already KNOW since you come in all the time! '' So, because I come in all of the time gives XXXX an excuse to assume that the consumer should know more than SHE SHOULD?? 
So, after XXXX huffed and puffed and proceeded to process the {$100.00} loan, she said to me, " You were denied for the {$100.00} ''. I said, " What do you mean that I was 'denied ' when I was JUST approved for a {$200.00} loan? '' She said, " The computer denied you for the new amount ''. This was all due to XXXX 's error and her need to cancel the first ( approved, {$200.00} XXXX request. So, I had no choice but to leave with no loan - all because XXXX ca n't do her job correctly. She provided the wrong information, then appeared to be totally CLUELESS when the 'computer ' denied it.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX 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 2023-04-23
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. (NM)

A car dealership used my information without my permission to run my credit a number of times with different creditors. At no point in time did I give them permission to do so. I gave them permission to run my credit twice, not an upwards of 10 times. I gave them permission to run my credit with XXXX XXXX, the creditor who I am currently using to lease my vehicle. The following inquiries listed are the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry is from a separate incident where XXXX XXXX ran my credit when I was inquiring about opening a CHECKING account. I was not applying for a credit card or loan. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

A car dealership used my information without my permission to run my credit a number of times with different creditors. At no point in time did I give them permission to do so. I gave them permission to run my credit twice, not an upwards of 10 times. I gave them permission to run my credit with XXXX XXXX, the creditor who I am currently using to lease my vehicle. The following inquiries listed are the unauthorized inquiries. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry is from a separate incident where XXXX XXXX ran my credit when I was inquiring about opening a CHECKING account. I was not applying for a credit card or loan. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2023-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (WA)

I have asked Best Egg numerous times to validate the loan that i have with them. I want the actual accounting of the loan. I sent them a registered letter on XX/XX/XXXX XX/XX/XXXXXXXX  and XX/XX/XXXX. They have responded to my first letter only with my loan documents and not the actual accounting of the loan. 
I have told them in all my letters I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you. 
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 

As of today, XXXX XXXX, I have not gotten any response from my second and third letter.
Consumer complaint received 2023-04-11
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: The Receivable Management Services LLC (FL)

Receivable Management Services is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Receivable Management Services ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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. (SC)

I sent a letter last XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. XXXX XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00}, XXXX XXXXXXXX Balance : {$210.00}, XXXX Balance : {$35.00}, XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-11
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. (OR)

I do not owe money to XXXX, XXXX or XXXX XXXX  there is no contract between me and them and I have asked XXXX, XXXX and eqifax to produce proof of contract and they have not
Consumer complaint received 2023-04-11
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. (MI)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : $ - XXXX XXXX  XXXX Balance XXXX {$0.00}
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

Equifax is allowing a collection account from XXXX XXXX XXXX, XXXX, and XXXX to be reinserted on my credit report after being disputed, investigated, and deleted many times now with Equifax and a previous cfpb complaint. There response said it's no longer being reported on my report but that's no longer the case. Equifax is supposed to take measures to not let this collection account to be reinserted. Furthermore Equifax is supposed notify me in writing and within 5 days of reinsertion, and that never happened. Having to keep going through this is getting old and I just want this to be deleted like it was and stay that way so everyone can move on with life. I'm in the process of buying a first home and can't afford to have this pop up when I'm at the closing table. Thanks
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have sent several letters to Experian for them to remove that bankruptcy that's on my credit that's not mine and they haven't done it. Only XXXX and XXXX delete it. 


Record details Record type XXXX XXXX bankruptcy discharged Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX FL XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

CFPB File No. XXXX dated XX/XX/XXXX, has found that Hyundai Capital America knowingly XXXXolated of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing Regulation V, 12 C.F.R.pt. 1022 ( known as the Furnisher Rule ) and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ). As such, a Consent Order was entered against Hyundai Capital America and laid standards by which they are to abide by in relation to redress. 

On or about XX/XX/XXXX, I received a redress check from Hyundai Capital America in the amount of {$100.00}, which specifically identified myself as a customer that was harmed by their illegal actions and referenced the CFPB case. 

After receiving the redress check, which by the very nature of my receipt of the check, clearly means that I have been wronged by Kia Motors Finance 's actions. I contacted legal counsel, which on XX/XX/XXXX, mailed a letter to Kia Motors Finance directing them to follow through with the directives from the Consent Order, by removing the derogatory information from all 3 credit bureaus, which is still negatively affecting my credit. 

Rather than Kia Motor Finance making the necessary retractions/corrections, after receiving the attorney 's XX/XX/XXXX letter, Kia Motor Finance has restarted the erroneous reporting, which is again in direct violation of the Consent Order. As of today, XX/XX/XXXX Kia Motors Finance has began to actively report erroneously, derogatory information to all 3 credit bureaus. And they sent me a letter on XX/XX/XXXX, stating that the information they are reporting is correct and completely ignored the presence of the Consent Order or the redress check that they mailed me. 

CFPB File No. XXXX continues to be violated by Hyundai Capital America, Kia Motors Finance, which is negatively effecting my credit.
Consumer complaint received 2023-04-11
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. (CA)

This complaint will serve as a reminder and also a follow-up to my previous complaint last XX/XX/XXXX. My previous complaint contains these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00}
Consumer complaint received 2023-04-11
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. (SC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

In XXXX of XXXX, I received a 30  year mortgage from XXXX XXXX XXXXXXXX XXXX ( in XXXX, California ) for my home located at : XXXX XXXX XXXX ; XXXX, California ; XXXX which matches my address on my valid California Drivers License. 

In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. 

In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. 

In XXXX of XXXX, I received my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home located at : XXXX XXXX XXXX ; XXXX, California which matches my address on my valid California Drivers License. 

On XX/XX/XXXX, I opened up a " Savings '' account with a $ XXXX " deposit '' at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX California which is less than 6 miles west of my home located at : XXXX XXXX XXXX XXXX XXXX, California which matches my address on my valid California Drivers License. 

On XX/XX/XXXX, I received a envelope from XXXX XXXX XXXX located in XXXX XXXX, with a 'Date of Notice : XX/XX/XXXXXXXX  '' form letter that indicated ( please see " Attached '' scanned letter that is enclosed of it ) stating in effect that " Chex Systems XXXX Inc. XXXX a company that I have NEVER even heard of before XX/XX/XXXX provided FALSE information on me to XXXX  XXXX XXXX  which caused XXXX XXXX XXXX to " DISAPROVE '' my " Savings '' account with this fine bank and refunded me my $ XXXX with an enclosed money order. 

My State of California and my Federal consumer " DUE PROCESS '' rights have been violated by this " Chex Systems , Inc. '' ( company ) because they did NOT even give me any " SPECIFIC REASONS '' why about 2 weeks later my " Savings '' account was suddenly " DISAPROVED '' and closed out. I was born in XXXX, Texas and am a U.S. Citizens. And the above action is unlawful both at the State of California level as well as at the Federal level.
Consumer complaint received 2023-04-10
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: HUNTINGTON NATIONAL BANK, THE (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under I have the rights to privacy. 15USC - 1681 section 602 states I have the right to privacy. 

15USC 1681section 604A section 2 it also states, A consumer reporting agency can not furnish my account without my written instructions.

Under 15UC-1666b a creditor not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-10
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. (MI)

XX/XX/2023 submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The XXXX XXXX XXXX verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. I have a Police and FTC report XXXX deleted it, Transunion and XXXX still show it I have been passed back and forth between the credit bureaus and XXXX XXXX each of them blame the other this is very frustrating thanks for your help
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There are too many credit cards open on my credit report to put on here. Credit cards that arent mine and Ive never even heard of. This person has ruined my credit score and has also stolen my identity.