davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (GA)

Dispute of Accounts Resulting from Identity Theft I am writing to formally dispute an account on my credit report that were opened as a result of identity theft. 

I have attached a copy of the police report regarding this matter for your reference. I request that you investigate and remove the following accounts from my credit report, as they are inaccurately reflecting my credit history : XXXX Account XXXX : XXXX XXXX : {$26000.00} This auto loan was fraudulently opened without my consent or knowledge. I have taken the necessary steps to report the identity theft to the relevant authorities, and the attached police report provides further evidence of the criminal activity that has affected my credit history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I kindly request that you conduct a thorough investigation into these disputed accounts and promptly remove them from my credit report. 

I AM DEMANDING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT! 
It is imperative that my credit history accurately reflects my responsible financial behavior and that I am not unfairly penalized for fraudulent activities beyond my control. I would appreciate your prompt attention to this matter. Please provide me with written confirmation of the investigation and any actions taken to rectify the inaccuracies on my credit report. 

Additionally, I request that you provide me with an updated copy of my credit report once these disputed accounts have been removed. Thank you for your assistance in resolving this matter. 

I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (MI)

United Collection Bureau XXXX Inc is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from United Collection Bureau  XXXX Inc showing we had a contract as well as the agreement between United Collection Bureau XXXX Inc and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of XXXX as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX XXXX XXXX amount of {$13000.00}. I reached out to XXXX  and XXXX do they sell debt they stated no ( I'm well aware of my HIPPA laws XXXX. I could sue United Collection Bureau XXXX XXXX for violating XXXX laws. United Collection Bureau XXXX Inc has violated multiple HIPPA laws and I have my lawyer on hand to sue United Collection Bureau XXXX Inc for the violations of my medical rights. Also their information has not been reviewed by a lawyer.
Consumer complaint received 2017-08-01
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: JPMORGAN CHASE & CO. (TX)

Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — Store credit 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)

I have had an account with XXXX ' XXXX  for over a year. I have always paid my monthly account on time. XX/XX/2018, I paid my monthly account of {$120.00} as I always do. I began getting daily, harassing calls from them -constantly, saying that I owe more $ on my account. That by XX/XX/2018, I would have to pay {$200.00}! I asked why and they could not explain to me. I called them several times and asked to send me copies of the last few months of my payments so that I could see what was going on. I felt very suspicious of some " hidden fees '' they were charging me, because it didn't make sense. This account I have with them is 0 interest for 5 years. So as I looked over the statements, there is a column where there are " fees '' charged to the account, for what? I still do not know? I want to know why for 13 months I had been paying {$120.00} on my account, and why it jumped to {$160.00}. for XXXX and to {$200.00} for XX/XX/2018? What are these " fees '' and why wasn't I told about them, instead of being harassed with threatening phone calls?
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ME)

Secured credit card with XXXX, Paid {$1000.00} security deposit. Account closed by XXXX and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?
Consumer complaint received 2018-08-24
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. (TX)

I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to XXXX, XXXX, Transunion credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  and others. I have not lived at the address associated with these accounts and I have documentation to prove this.
Consumer complaint received 2018-08-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (FL)

I had a repossessed car with XXXX XXXX that was sold over to cascade. I paid cascade the amount and was promised that it would be reported as paid in full ; it was reported negatively that sent the account to collections on my credit and reported it late once again Ive called both companies. Just to get a we cant help you. The account was paid XX/XX/2018 for {$3000.00}. I receive a paid in full letter.
Consumer complaint received 2018-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

XX/XX/2012, my adult son became ill and hospitalized for several days. He did not have any income and several months later I found his medical bills on my credit report! I had California 's Medi-cal program for my minor son, but not for my elder son who was XXXXyrs. old at the time. I contacted them and they told me his medical bills were attached to my credit because he had no income! These collection accounts have devastated my credit scores! I contacted the collection company asking them to remove them but to no avail! These accounts are on my credit profile to this day, and they " update '' the date of collection every month as though they are new collection accounts! I am unable to refinance my mortgage now because of these bogus charges!
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

Someone stole my card and the XXXX card was in my purse which got stolen too with driver license social security cards and XXXX will not refund my money they think it was me I did a police report and found out who did it XXXX
Consumer complaint received 2018-08-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (ME)

I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to
Consumer complaint received 2023-07-10
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. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2018-08-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. 

The document below is the only documentation provided.
Consumer complaint received 2018-08-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. 

The document below is the only documentation provided.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Freeway Funding, Inc. (CA)

I have oppen accounts that are not mine and there's dep that are not mine never had a XXXX XXXXXXXX card and XXXX XXXX I'm unknown about
Consumer complaint received 2023-07-09
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: Financial Credit Network Inc (CA)

After reviewing my credit report I've notice that inaccurate information is being reported on credit report. Starting with XXXX XXXX XXXX XX/XX/XXXX, FIN CR NETWORK XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

I rented an apt at XXXX XXXX in XXXX in XX/XX/XXXX. My next door neighbors were XXXX, biting, yelling and slamming each other against my dining room wall on XXXX XXXX 's day in XX/XX/XXXX. XXXX Police and SXXXX XXXX XXXX the boyfriend ( went back to XXXX ) out of the apt and girlfriend went to hospital. This event breached my apt . lease. I delivered XXXX breach notice. Next Sunday, the same girl was drunk again, making all the noise again and she was kicking, cussing and banging on my front door to retaliate. I called XXXX cops and they  arrested her for XXXX conduct and I had her served with an XXXX  against XXXX  in XXXX XXXX. I delivered copy of restraining order and more breach of apt . contract letters to XXXX manager, XXXX right away. Later, same girl at XXXX XXXX   was screaming, children crying and banging on my wall. I called XXXX cops and the noise stopped. I delivered another breach letter to XXXX office. I went to XXXX to do a walk thru and XXXX, mgr agreed to do this, she reneged, I told XXXX she waived her right to a walk thru and I am not responsible for anything. I handed XXXX my keys. I moved out. A month later, I got a collections letter. 
I disputed it with XXXX-XXXX and National Credit Systems as identity theft, fraud, and I am not responsible-my lease was breached by XXXX. XXXX allowed my next door neighbor to harass me, XXXX cops and Swat team over several times to my apartment as she lived next door to me. Neighbor even went to XXXX XXXX for violating my restraining order and XXXX was very well aware of this by my letters to them. XXXX chose not to follow the law and harassed me by doing nothing to follow the law and evict her. I hand delivered several breach notices to XXXX, XXXX chose not to obey the law and evict her immediately.I had no lease for XXXX to file collections on me. THIS IS FRAUD!!! 
I told and in writing to collections that XXXX broke several AZ laws and AZ Landlord Tenant Act which I delivered typed to XXXX. There was no apartment contract for XXXX continued to allow the breaches for the other tenants conduct that terminated by lease agreement with XXXX-health and safety and no noise agreement in my lease and upheld by the laws. The collection remains on all 3 credit reports since XX/XX/XXXX. 
This is illegal and has totally screwed up my life for I can not rent an apartment because of the fraud or get credit.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

in XX/XX/2018 I disputed a inaccurate Bankruptcy on my credit report with TransUnion. In XX/XX/2018 they replied back and stated that it was verified and accurate. On XX/XX/2018 a security freeze was in effect on me with XXXX I have proof and enclosed copies of the conformation. On XX/XX/2018 a security freeze was in effect on me with XXXX and I have provided copies of the conformation security freeze. on XX/XX/2018 I wrote the US Bankruptcy court with the address provided by Transunion and I wrote the court asking do they give any information to credit bureau ... The court replied back to me stating that they do not give out any information to any credit bureaus. I have proof of this also provided. on XX/XX/2018 I sent certified letter to Transunion asking them to reinvestigate the inaccurate bankruptcy on my Transunion credit report. THEY ARE NOT GIVING OUT 100 % ACCURACUY INFORAMTION, Because they was giving out inaccurate misleading information on my credit report.. I have the Certified mail receipt that I sent Transunion a letter asking for verification and to reinvestigate the inaccurate bankruptcy on my file,, I even sent the all my security freezes and letter from the court that the court do not give out any information to the credit bureau TRANSUNION. They received the certified letter on XX/XX/XXXX, XXXX have copies of the delivery notification that they received the letter, Transunion was given 30 days to reply to my certified letter from the date of signing for letter and to respond and give me information on the verification and reinvestigate ... Todays date is XX/XX/2018 AND TODAY IS THE 30TH DAY I haven't gotten a response from Transunion and they have violated my rights,,, I been waiting on a response from them and they have failed to respond to my certified 30 day letter, they are liable for nun compliance, Transunion has failed to respond satisfactory with in 30 days of my letter. TRANSUNION HAVE NOW VIOLATED FEDERAL LAWS BY NOT PROPERLY INVESTIGATION WITHIN REQUIRED TIMEFRAME, AND I HAVE PROOF OF ALL THE RECEIPTS,
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (VA)

XXXX XXXX account has been sent to an outside agency as was told to me by the Rep. But they would not allow for call verification from XXXX. 

The account is currently with XXXX XXXX Credit Bureau XXXX
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NH)

I requested my free Equifax credit report online at XXXX on XX/XX/XXXX but the website responded " Online Delivery Unavailable ''. Again I requested my free Equifax credit report online at XXXX on XX/XX/XXXX but the website again responded " Online Delivery Unavailable ''. I don't understand this because Equifax DID deliver my free report ONLINE back on XX/XX/XXXX. Also, I never have a problem getting the reports online from XXXX and XXXX. 

Equifax says alternative is to request my report via USPS Mail. I do not wish to send my sensitive private data via USPS Mail as required in the request. Nor do I wish to receive my sensitive private data ( the free report ) via USPS Mail. Privacy issues. 

Bottom line, I can't get the Equifax report online, while I CAN get them online from both XXXX and XXXX. 

See attached screens related to Equifax
Consumer complaint received 2018-10-17
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. (NY)

On XX/XX/2018 I wrote and sent a dispute letter to Experian regarding a public record on my credit file. They sent me a letter today on XX/XX/2018. In the letter it states they verfied the public record as accurate and they will not investigate the item again. Experian did not mention how they verfied this public record. I contacted the bankruptcy court located at XXXX XXXX XXXX, XXXX NJ. They told me they don't provide any information to credit bureaus or 3rd party organizations. They even sent me a letter stating this and made a copy of the letter and I sent it to Experian. Experian is stubborn and refuses to correct this inaccurate information.
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (GA)

I have a NetSpend prepaid card. I normally receive my payroll on Monday afternoons. On XX/XX/18, I didn't recieved my deposit. I called NetSpend they advised me that it was an issue with ACH deposits from XXXX. They advised it was not a complete issue with all customers but some. They couldn't give an ETA on when the deposits would deposit or what the actual issue is. They only have generic responses. Called them again XX/XX/18 got the same response this time referring me to XXXX. I called XXXX and immediately got the automated recording that it was a system issue with the ACH deposits system and were trying to resolve it. Still no ETA or what the problem is. My only issue is why consumers weren't made aware of the issue immediately when NetSpend found out from XXXX there was a problem. Making consumers aware is important.
Consumer complaint received 2018-10-17
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: Bread Financial Holdings, Inc. (FL)

I have had a store card issued through XXXX XXXX for XXXX XXXX XXXX stores for nearly 3 years. 

Recently, without my permission or authorization they did a hard pull on my credit and decided to lower my credit limit ; despite the fact I have an excellent payment history with them and have been working diligently to pay my balance off ( before any other accounts actually ). 

This has caused my credit rating to go down ; harming me significantly. While I do understand it is their right to issue credit as they see fit ; the reason that there were some negative marks on my credit report the day they performed their unauthorized credit pull was because my identity had been stolen. 

XXXX was already aware of this as I had sent them correspondence regarding the ID theft a few months ago and if the credit bureaus were actually doing what they are supposed to do they would have not released my credit information to them anyway without verifying my identify. 

Neither XXXX nor the credit bureaus contacted me.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — Store credit 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. (NH)

This is continuation of former complaint ( # XXXX ) which XXXX XXXX  has not fully resolved as they indicated they would! The real issue started with XXXX when I ordered 3 pair of shorts and returned them the next day as I was not satisfied with the quality. I was billed {$27.00} on XX/XX/18, returned them on XX/XX/18 using their shipping label. They credited me for 2 pair {$18.00} and charged me XXXX instead of crediting me {$9.00} for 3rd pair. Since I did not make a payment as I had returned the shorts they charged me a late fee of {$21.00}. I went on their website and disputed the fact that there was an error on their part that they didnt credit me for 3rd pair of shorts and also called them on XX/XX/18. They told me I needed to pay for label so I paid {$9.00} which is what they said I owed and that they would credit the late fee and interest fee of {$21.00} on XX/XX/XXXX and XX/XX/XXXX but then charged me another late fee and interest of {$24.00} on XX/XX/XXXX! I called and emailed on their website and they said they were only allowed to cancel one time late fee and interest charges. And added another {$1.00} interest charge on XX/XX/18. I filed complaint with you, CFPB and they finally credited for 3rd pair of shorts and some of the late fees and interest for {$19.00}, still leaving a balance of {$16.00} of fees and interest, I called to file dispute with them and they sent a form letter indicating the charges will remain on my card!!! I have been disputing these charges by phone, on their website email since XX/XX/XXXX and although they indicate on back of their statement that if they find they made an error I would not have to pay fees or interest accrued on the account they continue to charge me fees for merchandise I returned the first month I received them. So since it was their error from the start, I should not owe them anything at all! Please help. Im disgusted with the way they have handled this.