davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-22
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (TX)

I am in the middle of repairing my credit and I noticed a second inquiry on my report. I did not initiate this inquiry. I know what my scores are and I would have known that applying anywhere would have gotten me nowhere resulting in unnecessary inquiries. The only valid inquiry is for XXXX XXXX SECURED card where I had to place a deposit in order to get approved. I have sent two letters requesting to have the inquiry removed and the company has not complied. They only mailed me one letter stating they confirmed the information from my credit report. They have failed to provide me my original signature and they did not have permissible purpose whatsoever. I am attaching copies of all the certified mail, return receipts, their one and only response, a copy of my FRAUD alert to the bureaus and a copy of a letter  sent to XXXX. I want this false inquiry removed from my reports immediately.
Consumer complaint received 2023-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Rapid Auto Loans LLC (FL)

They threatening me to repo my car the letter is dated XX/XX/2023 but the postage states XX/XX/2023 They never covered the check I been paying them and they never paid me this is illegal they are threatening me and harassing this is wrong
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (SC)

On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.
Consumer complaint received 2023-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (VA)

My identity w as compromised and an account on my credit report for a XXXX account that I have no knowledge of. I called TRANSWORLD SYSTEM INC at ( XXXX ) XXXX in early XXXX. The representative has a different address that I never resided at, and Ive lived in XXXX since XXXX. On XX/XX/XXXX a direct email, yet ANOTHER email was sent to " XXXX '', who has failed to respond. I included the police report and FTC filing. The name is XXXX XXXX and that email was provided to me by customer service when there is fraud or documentation needed to be sent. This needs to be removed from my credit immediately since it w as not done by me, nor allow ed under any circumstances and I have no prior know ledge of. This is indeed fraud. I have no affiliation with this company, past nor present. This item is in all 3 credit reports that was never authorized, and I had no know ledge of in any capacity.
Consumer complaint received 2023-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I have reached out to this company every month for the last 3 months asking them to validate this debt they say I owe and they have refused to validate. I then asked to remove it from my credit report and its still on my credit report. Thats a violation. If yet cant proof thats its mine turn they must delete it. I dont even know who this company is. I am asking you to have credit collection Serv to either validate this account by showing my signatures and my identity or delete it immediately.
Consumer complaint received 2023-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Torriere Holdings INC (SC)

A debt collection by the name of Spire Recovery Solutions are commiting a conspiracy against my rights by unknowingly obtaining my personal information in an attempt to collect an alleged debt from. They have violated my natural born rights by stating that I owe an alleged debt without providing proof of rights to the alleged debt. They have not received any consent from me to contact me or to even possess my information which is identity. I have corresponded in writing asking for proof that they can attest to on an affidiavit.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.
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 — Reporting company used your report improperly
Company: CURO Intermediate Holdings (MS)

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2023-04-21
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. (NJ)

The folllowing account is being reported inaccurately ... .... 
XXXX XXXX XXXX XXXX {$120.00} The Balance on this account has been paid in full.
Consumer complaint received 2023-04-21
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. (GA)

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. 


Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-04-21
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update.
Consumer complaint received 2023-04-21
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. (MI)

This is my 11th 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 XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 2023-04-21
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I AM WRITING TO DISPUTE THESE FRAUDULENT CHARGES ON MY ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE. I AM FILING THIS COMPLAINT FOR MYSELF NOT ANYONE ELSE. REMOVE THE FRAUDULENT CHARGE AND ANY RELATED FINANCE CHARGES FROM MY ACCOUNTS. PLEASE SEND ME AN UPDATED AND ACCURATE STATEMENT AND BLOCK THE ACCOUNTS. I ALSO REQUEST THAT YOU STOP REPORTING THIS INACCURATE INFORMATION AND REPORT THE CORRECT INFORMATION TO ALL THE NATIONWIDE CREDIT REPORTING COMPANIES TO WHICH YOU PROVIDED IT.
Consumer complaint received 2023-04-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I am writing to file a complaint against Wheels XXXX Financial and their Director of Compliance, XXXX XXXX. My rights have been violated due to their harassing and abusive debt collection practices. 

XXXX XXXX has repeatedly called me at all hours of the night, despite the fact that debt collectors are not allowed to call debtors before XXXX XXXX. or after XXXX XXXX. in California without my permission. His calls have been threatening and harassing, and he has increased my balance significantly. The harassment has increased since filing my previous CFPB complaint. This complaint was filed due to balance discrepancies. As you can see, theres a lot of animosity and a significant increase. {$11000.00} increase from a {$2500.00} loan, with the vehicle reposed and never credited. In addition, many other factors were ignored such as my attempts to email the company for relief during COvID. In addition, the company allowed additional fees to incur by not providing the tow yard a key upon their request, resulting in the locks being cut from the door. The lack of response from LoanMart was a financial charge to me although both myself and XXXX XXXX XXXX confirmed she tried reaching the company. 

I have picture evidence and an email from XXXX XXXX in which he implies that I have no association with the XXXX XXXX as a member, and attempts to intimidate me. I believe this is a violation of my consumer rights, and I am deeply troubled by the behavior of XXXX XXXX and Wheels XXXX Financial. 

I request that CFPB investigate this matter and take appropriate action against Wheels XXXX Financial and XXXX XXXX. I also request that my consumer rights be protected, and that I be compensated for any damages or losses I have suffered as a result of their actions. 
Thank you for your attention to this matter.
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Farrell Holdings, LLC (NV)

I bought my 1st car XX/XX/XXXX I have got car XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX have two final sales paper the say selling price XXXX total due XXXX cash down XXXX ( XXXX ) but balance due XXXX so XXXX I was finance and XXXX finance charge my XXXXXXXX XXXX XXXX PAC FINANCE  TOLD XXXX to fix the calculations on the paper .this is where the other final sales paper come in .my XXXX XXXX XXXX the I was finance XXXX and the charge XXXX with XXXX down total payment will be XXXX. My Apr should not been that high at that time I had credit score XXXX and I have co signer her credit score was XXXX... XXXX I have been paying XXXX monthly I miss 1 payment that was during the pandemic. About XXXX add on the bill.i feel I'm getting rob for my money .I m getting harass by pac finance about paying the bill and I'm not even due yet .I keep telling them stop harassing me.they calling then they put nagitive reports on your credit report.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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. 

Account name : XXXX XXXX  Account XXXX XXXXXXXX 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 2023-04-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I did get behind on finances due to having XXXX which put me out of work long term then led to my company closing due to XXXX. At same time my wife filed for divorce and my whole world came to a crash. 

Now. Back on my feet. I reviewed my credit report. Some items left by my ex. Some did get behind due to no income coming in. 

Now. I am working two jobs and trying to rebuild my life and my credit in order to buy a home. Thankful my storm is over. 

I contacted each and every account on my Experian credit report. Disputing and then redisputong items. Multiple times and still not being reported correctly. Recently. I paid in settlement XXXX outstanding accounts. All verifiable. And confirmed. Ive reported these payments. Its reviewed. Then I get a motive dispute is complete and its still listed as potentially negative or paid in settlement. But still says. Potentially negative or collection. 
Only if you look at small print it may say paid in settlement. Then remains. Collection or paid in settlement. Its like they update 1 part but not others that show creditors negative. 

I am back on mr feet and earn XXXX per year. And a secure future ahead but am held back by inaccurate listing on all 3 bureaus. Can you help expedite this process as Im trying everything.
Consumer complaint received 2023-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NV)

Chase supposedly disbursed funds from my escrow account, but they can not produce an invoice. They claim, " we receive insurance bills electronically and we don't usually keep a copy after it is paid. '' Either they are lying to me, or they are not maintaining reasonable and proper records.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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. 

Account name : XXXX XXXX Account XXXX XXXXXXXX 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 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act Convergent, Account:XXXX, Creditor : XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

This account is fraudulent account, I did not open any account with this company.