davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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: Conn's, Inc. (TX)

I have a conn 's account showing on my XXXX credit report. This account has a first delinquency date of XX/XX/2016 THis account was removed from my credit report and is now showing on my credit report again. this account needs to be removed immediately balance showing on Credit report is {$6500.00}
Consumer complaint received 2023-06-26
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. (CO)

To the Consumer Financial Protection Bureau I believe that XXXX XXXX Account # XXXX and XXXX XXXX  Account # XXXX have violated my rights under the Fair Credit Reporting Act ( FCRA ). My privacy rights, as stated in 15 U.S.C 1681 Section 602A, have been compromised. Additionally, 15 U.S.C 1681 Section 604A, subsection 2, prohibits a consumer reporting agency from furnishing an account without my written instructions. To rectify this situation, I kindly request that you promptly investigate the matter and take appropriate action to ensure compliance with the FCRA. I seek a fair resolution that upholds my privacy rights and prevents future violations.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (CA)

The following issues I am having has been as a result of a take over by Comenity Bank of my XXXX Signature Credit Card originally issued by XXXX XXXX XXXX. This takeover happened during XX/XX/XXXX where Comenity issued new credit card numbers to all its members. Around the same time, I was considering the purchase of a car by XXXX. There were two ( 2 ) separate charges on XX/XX/XXXX for {$1000.00} and {$8200.00} by XXXX charged to my XXXX XXXX XXXX XXXX Visa Credit Card ending in XXXX. 
I did not purchase the car, nor was it ever removed from the dealership lot. The vendor proceeded to process a refund however because the credit card number had changed the refund was not successfully processed. The dealership suggested I contact the Credit Card company to file a dispute. 
Once I learned Comenity had taken over the credit card, I opened a dispute on XX/XX/XXXX with Comenity for the charges to my XXXX Credit Card by XXXX for the purchase of a vehicle. This dispute was filed within 90 days of the credit charge. And without notifying me of the status of my dispute, Comenity closed my inquiry without further notice. This was a violation of my rights to have a claim properly investigated. I re-opened the dispute again in XX/XX/XXXX ( letter attached ) which indicated they would investigate the dispute. I told them the vendor XXXX requested a new account number be provided directly to them so that they can refund the money directly to the credit card issuer as opposed to sending it to me in the form of a check. They opted for this manner of returning the money because it protected them from any claims by the credit card issued for any unlawful actions on their part. 
The attorney for the vendor ( XXXX ) indicated they had not heard from Comenity as of XX/XX/XXXX. 
I received correspondence from Comenity dated XX/XX/XXXX indicating they were unable to locate information regarding my purchase and for me to contact the Service Provider directly. This letter comes despite the multiple calls I made with Comenity on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and then on XX/XX/XXXX to have my issue escalated to Comenity 's Global Disputes team ( XXXX ). On each call I was told no update was available, and I reiterated the vendor is requesting to have the card issuer provide an updated account number to return the money since the original credit card number had changed from XXXX XXXX XXXXXXXX to Comenity
Consumer complaint received 2023-06-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (MA)

My car was repossessed by bridgecrest who is XXXX finance company. I put {$1500.00} on a {$21000.00} loan in XXXX on a XXXX XXXX XXXX XXXX XXXX XXXX ( vin # : XXXX XXXX ) I made my first few payments before I was attacked at random walking home XXXX XXXX. While recovering after being in XXXX XXXX for 1 month & 2 month spent in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was able to leave & made a {$3500.00} payment to bring my account out of the red. Apon leaving the hospital I was left XXXX n suffering while trying to recover the pieces of my life ( no job, no help ) I brought this to bridgecrests attention & they informed me that there isnt anything they could do, that they would be coming to take the car ( repossession ) & there was nothing I could do. Months latter they repossessed the car & I had to beg a firmed of mine to allow me to borrow mo eg to pay to revive the car ( with all my belongings in it ) a mother couple months went by after, trying to ask for more time to pay my loan because I needed my car to get to & from appointments ( safety, food shopping, everyday things ) they can & repossessed it against & this time it would be the last time. I had to revive my things about 2 hours away from my home from a tow lot, ( had to pay someone to bring me there n back ) my car was then brought to auction & sold on XX/XX/XXXX for {$7200.00} information found on XXXX the XXXX XXXX posted images of my vehicle in the same location where I picked up my belongings. The different should be reflected on my credit report & its not accurate it says I still owe {$18000.00} & this has been affecting my score badly. I havent made a payment since my car was taken from me the information on my credit report states I made a payment XXXX XXXX? But the car was sold at caution on XX/XX/XXXX? In Massachusetts you have 22 days to derive your vehicle before a lender can put said vehicle in action. I wasnt giving time to complete my loan with my situation being so life changing Im now left broke carless & now my credit score is to low to get approved for anything. Please help I have attached photos to help my situation.
Consumer complaint received 2023-06-27
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. (SC)

XXXX XXXX XXXX XXXX XX/XX/23 {$2500.00} XXXX XXXX  XX/XX/23 {$2200.00} XXXX XX/XX/23 {$3800.00} THE COMPANY SAID IT DID INVESTIGATION AND THEY WAS VERIFIED In accordance with the Fair Credit Reporting act XXXX Account above has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

On XX/XX/year> I noticed the accounts Credit Collections, XXXX Dept of ED, XXXX XXXX XXXX, XXXX XXXX and Dept of Ed XXXX were on my credit report. I did not authorized any of these accounts to be opened.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX NAME XXXX DO NOT BELONG TO ME NAME : XXXX XXXX NAME : XXXX XXXX NAME : XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (NC)

I asked XXXX, Equifax and XXXX to Investigate the legitimacy of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for these accounts to be investigated because I do not recognize these accounts and furthermore the discrepancies raised more concerns with the reporting standards of these accounts. I specifically asked for substantial proof and any evidence showing my consent supporting the nature of these reporting 's. 

XXXX and EQUIFAX both stated that the accounts were 'VERIFIED AND UPDATED '' however that can not be true because the accounts that I asked to be investigated are still showing MAJOR discrepancies in the reporting between the bureaus. 

THE CREDIT BUREAUS NEVER TRULEY investigated these accounts and still continue to report them to my consume report. " According to Law 15 USC 1681s-2, a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. 

Attached is proof of falsely investigating and discrepancies ARE HIGHLIGHTED. 

XXXX  did not respond to my dispute but I have already previously submitted a complaint for them**
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to address the fraudulent personal information linked to my identity. I have discovered accounts and transactions that were falsely attributed to me without my knowledge or consent, causing significant distress and concern. I want to emphasize that I am a victim of identity theft and have taken immediate steps to report the incident. It is of utmost importance to rectify this situation promptly, as it has had a severe negative impact on both my financial well-being and personal reputation. I kindly request your full cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into the matter. I am prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is highly appreciated.
Consumer complaint received 2023-06-27
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. (VA)

I have tirelessly disputed the XXXX inaccurate XXXX to no avail thus far with TransUnion. Consequently, it is causing me tremendous punitive damages, XXXX XXXX, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, US Bankruptcy Court, XXXX, XXXX, and XXXX  for your immediate review- which corroborates my many unsuccessful attempts/disputes.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I took a look at my credit score on XXXX  XXXX and it showed me that I owe {$21000.00} collectively to various organizations that I am not associated with. I apparently owe : {$640.00} to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX {$5200.00} to XXXX XXXX XXXX Encore Townhomes XXXX {$12000.00} to Pro XXXX XXXX XXXX Apartments {$2500.00} XXXX XXXX XXXX - XXXX XXXX XXXX {$420.00} is an inquiry with SyncB/Verizon ; I don't know what this is either. 

I have never lived in these services before. While my phone carrier is with XXXX, they confirmed that my personal usage isn't associated with this {$2500.00}. It is someone else using my name and credit. I have already contacted my local police and have filed police reports for Identity Theft.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address the fraudulent personal information linked to my identity. I have discovered accounts and transactions that were falsely attributed to me without my knowledge or consent, causing significant distress and concern. I want to emphasize that I am a victim of identity theft and have taken immediate steps to report the incident. It is of utmost importance to rectify this situation promptly, as it has had a severe negative impact on both my financial well-being and personal reputation. I kindly request your full cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into the matter. I am prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is highly appreciated.
Consumer complaint received 2023-06-27
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: Exeter Finance, LLC. (TX)

On XX/XX/XXXX my credit report was pulled from XXXX financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX Exeter Finance LLC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX  on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

Upon receiving copies of my credit reports I found this debt from XXXX. Other names included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The collection agency name was Jefferson Capital Systems. I have sent debt validation letters to multiple addresses and have gotten no validation. XXXX sends me letters back stating they sold my debt to Jefferson Capital Systems, Jefferson Capital Systems claims they can not validate and will close my account and stop trying to collect the debt. I do not recall ever getting a XXXX account or approving these charges.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-27
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX [ XXXX ] [ TRANSUNION ] [ XXXX ] To Whom It May Concern : I am writing to dispute an unauthorized credit inquiry on my credit report. The inquiry was made by [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ]. 
[ XXXX ] on [ XX/XX/XXXX ] [ XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on [ XX/XX/XXXX ] [ XXXX XXXX ] on XXXX XX/XX/XXXX ] [ XXXX XXXX XXXX / XXXX XXXX XXXX [ XX/XX/XXXX ] I did not authorize this inquiry and believe it was made in error. 

I request that this inquiry be removed from my credit report as it is negatively impacting my credit score. I have attached a copy of my credit report. 

I am aware that under the Fair Credit Reporting Act, you have 30 days to investigate my dispute and respond with your findings. I request that you notify the furnisher of this inquiry and request that they remove it from my credit report as well. 

If you find that this inquiry was made in error, please remove it from my credit report immediately. Please provide me with a written response when the inquiry has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (OH)

Aspire card closed my credit card account back in XX/XX/2023 after refusing to remove charges that were fraudulent..they refused to re open the account but are still sending me correspondence asking for details of transactions fated XX/XX/2023 saying a new card would be mailed to me. Why did they do this if they arnt opening the account? Iam going to sue aspire card for discrimination if this account isn't reopened. Those charges were fraud and I'm not responsible for them. I was in good standing before this happened. I had reported the fraud in a XXXXXXXX XXXX.
Consumer complaint received 2023-06-27
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. (PA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose