davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (OH)

I am writing to file a formal complaint regarding Debt Recovery Solutions LLC, specifically regarding their unauthorized debt collection activities in the state of Ohio. According to the Nationwide Multistate Licensing System ( NMLS ), as of XX/XX/XXXX, Debt Recovery Solutions LLC ( NMLS ID : XXXX ) is not licensed to collect debt in Ohio. 

During my attempts to verify Debt Recovery Solutions LLC 's licensing status, I spoke with a representative, on XX/XX/XXXX, and expressed my intent to confirm their NMLS ID before paying the debt. Despite my efforts, the representative provided an ID number ( XXXX ) which did not yield any results on the NMLS website. 

Under Ohio law, debt collectors must adhere to state regulations and obtain the necessary licenses to operate legally within the state. Operating without the required license is a clear violation of state law.

I have formally submitted this complaint to you to investigate this matter thoroughly. I intend to also report this issue to the Ohio Department of Commerce and the Ohio Attorney General 's office for further investigation and appropriate action.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I Recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent account ruined my credit score. 
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 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

Notice Of Dispute : This is in Reference To Account # XXXX ( XXXX ) Dear Comenity Capital, I am writing to dispute the reporting of alleged late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that have been reported on my credit report. I never received any notices in writing from you stating that you were going to furnish negative information in the form of a late payment to a consumer reporting agency. This is a violation of the FCRA per 15 USC 1681s- 2 ( 7 ) ( A ) ( i ) and it is your duty as a furnisher of information to comply to ALL FCRA requirements! 
I am requesting you provide me concrete evidence such as the notice in writing with a certified tracking number for proof of delivery and date, as I should have received this maximum 30 days after this information was furnished on my credit report. If you are not able to provide the requested information I am demanding you modify the payment history of the alleged ALL of the late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to an On-Time payment ( OK ) or No Data ( ND ) immediately! Please update these records with XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Re : Previous CFPB complaint not investigated XXXX There is multiple instances of fraud throughout this finance contract. I have made multiple complaints for the issues that never have been addressed. I have yet to receive results of the investigation into the insurance fraud and late payment statuses being reported by multiple companies that furnish information for this account. This company is reporting under the alias of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Each time I request an investigation into an issue with one company they change their name and never update the original creditor on my reports. I am demanding that this account be removed immediately for the multiple violations of inaccuracy on my reports. I am demanding that they cease and desist with their collection actions until this issue is resolved. According to the CFPB they are to remove this fraudulent account from my report.
Consumer complaint received 2024-07-04
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: HYUNDAI CAPITAL AMERICA (CA)

My name is XXXX XXXX, this complaint us 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 accounts. 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 report. No consent is FAUD. 


XXXX XXXX XXXX XXXXXX/XX/year> 2023
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX ; XXXX XXXX  XXXX, IN XXXX ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1300.00}
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (MS)

Bridgecrest calls and I have signed and stated on an Authorization to Communicate that my wife XXXX XXXX is the contact person on this acct. I bought the car for her. I have asked them to allow her to do whatever needs to be done on this acct. She pays for this vehicle..she does everything in regards to this vehicle. Today they called after speaking with a representative XXXX ago who supposedly notated the account and told us to call back on the XX/XX/XXXX for a deferral. The deferral is need because i just had major XXXX and won't return to work until XX/XX/XXXX. The XXXX representative ( XXXX ) on the phone told me we were given incorrect information by the previous agent. I asked XXXX XXXX a deferral and was told we don't qualify for XXXX. The acct has to be at least XXXX old and he went to rambling on..Our acct is XXXX old. ( didn't make sense ) I told him this. He said he had to speak with XXXX on this account for changes. I told him I do simple interest loans everyday and wasn't understanding why we couldn't just get this payment moved to the end of the loan what is so hard about that. So he placed me on hold and came back with a more authoritative tone in his voice and I snapped. I told him this is not what we are going to do today. I need to speak to a supervisor immediately and don't put me on hold XXXX mins to get XXXX. Finally XXXX came on the line and stated she is a XXXX. I told her we were requesting a deferral on the account. She stated they had other options available and she also needed to speak to XXXX. XXXX got on the phone and her option was a payment plan based on their payment schedule. After she questioned him about his employment status. He told her No. He has other bills to cover in our home. He also asked what was the problem with doing the deferral. No feasible answer was given. But she circled back to the payment plan again. We both told her that would be a hard No! I then told her to notated the account that I would be contacting CFPB. She said it was notated. Then placed us on hold she came back and read a script that stated we may or may not be approved for a deferral. 
I then asked for XXXX 's last name and correct. She refused the last name and stated she was a XXXX in general. She did confirm XXXX 's name. We disconnected the call. And I filed this complaint. My wife is the go to on this account. If Bridgecrest needs anything on this account they need to contact XXXX XXXX not me ( XXXX ). I would greatly appreciate some help with the poor/bullying customer service they are giving please
Consumer complaint received 2024-05-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONS DIRECT MORTGAGE, LLC (TX)

I was in forebearance from XX/XX/XXXX till XX/XX/XXXX. Nations direct sold my mortgage to XXXX and when transferring the mortgage listed my account as past due. It was clearly in forebearance and I have completed the documents for a hud partial repayment. It should not be in default. Nations direct is reporting that it is to the credit beaureas. Please fix this error. I have an approved hud partial payment documented.
Consumer complaint received 2021-10-12
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've contacted Experian and XXXX to have these fraudulent items removed. XXXX has requested Experian not to remove or dispute items. I've filed a FTC report as well as police report. These items are fraudulent and I feel like the companies are not complying.
Consumer complaint received 2024-07-04
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: ALLY FINANCIAL INC. (CA)

My name is XXXX XXXX, this complaint us 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 accounts. 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 report. No consent is FAUD. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (CA)

I tried to call and can not contact a person to discuss closure of the card. I feel uncomfortable telling them personal information ecause of high probability of fraud activity. 

I received my cards in the mail on XX/XX/year>. A card for a bank account and for a credit card, neither of which I opened. I looked in my email spam and realized a week prior I had recieved some emails from them about an account being opened.
Consumer complaint received 2024-03-27
Product: Credit reporting 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)

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.

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 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my complaint for you to know that I am a victims of identity theft. Based on FCRA Section 605B, it was the responsibility of the 3 credit bureaus to eliminate those items which does not belongs to the owner. I was a casualty of savage wrongdoing. I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3200.00} ; XXXX  XX/XX/2022.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One in response to the first initial complaint in regards to the incurring violation or conspiracy to violation to one soon to be Card Holder. Upon continued sorts of resolution speaking with many customers services representation of Capital One, the imposing sort of way to only receive the account to be opened further more the line of credit issued to the card would only open up due to installment of aid to the transaction. In light of this matter Discrimination comes to the surface as one capacity to contract is question. With this event the dead line to resolve these matter have been consumed by Capital One Lack of interest to resolve in a timely manner as promised in the response to the first Claim of Violations. In deep regards to this misfortune my Consumer right have been prohibited to me threw this event. 

Thank you.
Consumer complaint received 2024-07-04
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: Bread Financial Holdings, Inc. (DC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I pulled my credit reports from XXXX XXXX and equifax and noticed erroneous accounts that need to be immediately DELTED/UPDATED. Clearly outlined in 15 USC 1681, and more specifically 15 USC 1681s-2 and 15 USC 1681e ( b ), please update my personal information. Also, Pursuant to 15 USC 1681c-2 There are inquiries and accounts that I DID NOT originate nor authorize to be posted on my consumer report that need DELETING immediately on clear grounds of identity theft. DELETE NAME : XXXX XXXX XXXX from XXXX XXXX and Equifax. ADD NAME : XXXX XXXX XXXX to XXXX, XXXX, Equifax. DELETE AKA from XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE PREVIOUS ADDRESS : XXXX XXXX Story Ave. Equifax- XXXX Story Ave. Experian- XXXX XXXX XXXX, XXXX ma XXXX XXXX DELETE additional INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX. DELETE ACCOUNTS : My Community CU XXXX XXXX XXXX XXXX XXXX. SEE ATTACHED FTC COMPLAINT.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation (MI)

During the Covid-19 Pandemic I did not take XXXX XXXX  of unemployment or PPP funding . The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the Covid-19 timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

I'm writing regarding a collection entry on my credit report from your agency. This entry is concerning, as I wasn't previously notified about this collection and I question the debt 's validity. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide this validation and address this matter.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] DATENOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX, it has come to my attention that you [ Put Creditor Name Here ] furnished alleged transaction on my { Experian, XXXX, XXXX ( Chose the CRA that the late payment was furnished to } that you identified as late.15 U.S. CODE 1666B - TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer, at a mailing address for the consumer, established and disclosed to the creditor for purposes of receiving the consumers periodic statement, not later than 21 days ( or 14 days in the case of a high-cost, open-end credit plan or a semi-monthly periodic statement account ) before the payment due date described in paragraph ( 2 ) or ( 3 ) of section 1637 ( b ) of this title.The only way for you [ Put Creditor Name Here ] to validate a late payment is to ensure that 15 U.S.C. 1666b is followed.As a consumer, I am demanding verication of the following:1. The procedure that was used to authenticate accuracy.2. What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.The only way for you [ Put Creditor Name Here ] to validate a late payment is to ensure that 15 U.S.C. 1666b was followed.I, the undersigned, request verication of the above. Sincerely,
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (IN)

I received a loan on XX/XX/XXXX I had a payment due on XX/XX/XXXX I was less than 2 weeks late and they repoed my car. I called them to make the payment that was due and asked what I needed to do in order to get the car back they told me I would need to pay the whole loan balance off to get it back. I had just gave them {$390.00} down my payment was due less than 39 days later but was less than 2 weeks late. These are unfair and should be considered illegal practices. I had just got an oil change on the car 2 days before they repoed it also which was another {$75.00} dollars. They are currently reporting negatively on my credit that I am 30 days past due and that I owe them money. I received a letter from them and spoke with someone that said this would be removed. Right now it is hurting my character and my family. It has left me and my kids with no car. I recently had a name change due to a divorce so the name on my loan is XXXX XXXX.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation (MI)

During the Covid-19 Pandemic I did not take XXXX dollar of unemployment or XXXX  XXXX  XXXX The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the Covid-19 timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My correct name is XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX is reporting my name as XXXX XXXX XXXX which is inaccurate. 
Experian- is reporting my name as XXXX XXXX XXXX which is inaccurate the hephen is in the incorrect position. 

XXXX is reporting an inaccurate name of XXXX XXXX XXXX. The XXXX is the incorrect last name. 

My current and correct address is XXXX XXXX XXXX, XXXX, GA XXXX Experian are reporting incorrect addresses that I don't recognize or never resided at : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX XXXXXXXX is reporting incorrect address that I don't recognize or never resided at : XXXX XXXX XXXX XXXX