davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MI)

Subject : Dispute Regarding Incorrect Address on Credit Report Dear Innovis, I am writing to dispute an address that is incorrectly listed on my credit report. The address in question is : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This address does not belong to me and is inaccurately associated with my credit report. I request that Innovis investigate this matter and remove the incorrect address from my credit report promptly.

Enclosed with this letter are copies of documents verifying my current address : Utility Bill Drivers License I also request that Innovis provide me with a copy of my credit report once this dispute has been resolved to confirm that the incorrect address has been removed.

Please investigate this matter as soon as possible and inform me of the results.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-14
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. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-03-09
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)

Department of Education has duplicated the same information through several companies. Making it appear that I owe 3 different companies the same amount of money ; and each of them are derogatory. Each of them are reporting similar information but different payment histories, different start dates, different last activity dates. Upon information and belief this is done to make the additional companies appear authentic. I have never had a contract with any of these companies and I am in fear that I will be forced to pay upwards of {$45000.00} to clear up my name. This has caused me unimaginable financial stress during this pandemic. I notified the three bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX DEPARTMENT OF EDUCATION All student loan repayments have been placed on hold since XX/XX/XXXX. They are falsely reporting it has been in collections when they are legally prohibited from collecting. 
This account payment dates are inaccurate and different at each of the bureaus. 


XXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 

This account payment dates are inaccurate and different at each of the bureaus. 
It should also be noted that the Consumer Financial Protection Bureau has sued XXXX in XXXX for systematically and illegally failing borrowers at every stage of repayment. I will attach a copy of CFPBs press release. 

XXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 

This account payment dates are inaccurate and different at each of the bureaus. 

DEPTEDXXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 
This account payment dates are inaccurate and different at each of the bureaus.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

I have received a collection notice in the mail and I am disputing the validity of this debt. I have already cleared this confusion in 2018 with proof of receipts from XXXX that shows I turned in the equipment for XXXX XXXX. The return receipts include date, time, XXXX store address, and the equipment numbers for everything I returned. If XXXX lost the equipment, that is their problem not mine. When I contacted XXXX XXXX about this invalid debt two years ago, the customer service rep told me they received the equipment and will update my account. But just recently, I get threatened with a collection notice. Take my account out of collections or I will sue you. By the way, I mailed a certified letter with the return receipts to you yesterday. So I will know when you receive it. And it is attached to this complaint. Don't play games with me. You will lose.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-08-14
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: GOLDMAN SACHS BANK USA (TX)

XX/XX/23 I was called and scammed by someone claiming to be Apple Card ( Goldman Saks ) Fraud Dept.

They said they needed to do a hard reset on my Apple XXXX in order to prevent further fraud. I did it - and they took my identity and charged a total of almost {$12000.00} in several separate transactions at XXXX XXXX Apple stores ( I live in XXXX TX. ) I immediately reported the incident to Apple Card, I reported identity theft and got affidavit, police report, froze my credit etc.. 
My credit card ( Goldman Saks Apple Card ) has opened investigation and determined that I am responsible for the charges. I did not make these charges, I was not even in New York on that day which my credit card statement shows, and I cant understand why they are saying I must pay. They have not explained the decision and I need help because I feel like Apple Card is now scamming me.
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SUNCOAST CREDIT UNION (FL)

Between XXXX XXXX  i waited and ended up speaking to an associate at Suncoast Credit Union at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, the Service Center Manager helped me from her office. I asked her to provide me with the current documents for the loan, and she said that she can only provide me with the documents from the day of the loan from XXXX XXXX. I told her that I have to pay the money to them and I want a breakdown of how I owe the money. She printed me out all of the documents that XXXX XXXX provided them exactly 60 days ago ; but she said that any current documentation, and a breakdown thereof will only be provided by XXXX XXXX. The dealer has refused to provide a breakdown and they want me to trust them on the honor system. I want the documents and the breakdown of my loan for my red 2024 XXXX XXXX.
Consumer complaint received 2023-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I did call to pay off the total debt amount for the card and requested the account to be closed as well. I did pay exactly the remaining amount they said it was needed for it be closed. Next month, they were calling me again saying I own late fees claiming the last payment was made a day after ( which I dont believe ), even though is not my fault they provided wrong information with malicious purposes to keep charging me. I refused to pay money I dont own to them and well they sent me to collections and have TWO accounts against me. They justify their mistake saying the assessor who supposed to close the account was fired for his mistake, but didnt changed the status of the account and the amount is being increasing with the time, amount build by itself as late fees only.
Consumer complaint received 2021-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filled a dispute with capitol one several issues regarding purchases I spoke XXXX one the mangers for dispute team she and Capitol one refuse to assists me with this issue this two credit cards I use on daily for food and necessities I need my money back
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MD)

PNC Bank has my 3Rd stimulus payment of XXXX after my checking account was supposed to be closed due to bankruptcy that I had no choice to file due to identity theft back in XX/XX/2021. I assumed my stimulus check would come to me by hard copy and mailed to my XXXX XXXX XXXX After I had not received my money from the IRS. I decided to call my old bank PNC to see if my money was sent there? Sure enough the customer representative saw that it had posted on XX/XX/2021 for XXXX with no activity on this old checking account after the money posted. I was then transfer to bank operation and told that the money had been posted and sent the direct deposit back to IRS. After many certified letters to the IRS and calls and a visit to PNC bank, I received a notice from the IRS that PNC would not corporate with the IRS. Also, the IRS letter stated that I should contact the PNC bank which I did and now the PNC bank stated that they can't find my money. I stated the name of employee and the date of who I talked to and was told the person no longer works for PNC Bank this was the person that stated that my money was sent back to the IRS. The back called me back and stated that they found my money in an amenity account. Again, they have changed their story stating I took the money out of this supposed close account. The bank can not produce a statement showing where the money was withdraw. After 5 more months this bank has denied me my money that the IRS sent direct deposit to a checking account that should have been closed back in XXXX when I filed for bankruptcy. I believe this is against the law.. These people that work for PNC bank are very vindictive and think this is no big deal.. They will lie, cheat, and steal my money to cover their XXXX. It took pnc bank 5 month to come up with a plan to redact statement for month of XX/XX/2021. Stating i withdrew the money which is a lie and they know this.. I asked to see the footage of me withdrawing the money they wont let me see the footage, furthermore I stated this so called withdraw was impossible due to me being out of town for XXXX in XX/XX/2021 and part of XXXX XXXX this problem is still going on, it will be 1year and 8 months they have kept my money.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX accounts have reported inquires that are not mine. 

Equifax XXXX XX/XX/XXXX XXXX has violated my rights. 
XXXX XX/XX/XXXX XXXX NOT MINE! 
XXXX XX/XX/XXXX XXXX NOT MINE! 
Equifax XXXX XX/XX/XXXX XXXX NOT MINE! 
XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX NOT MINE! 
XXXX XX/XX/XXXX EQUIFAX NOT MINE! 
XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX NOT MINE! 

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-08-14
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 am formally filing a complaint for the following accounts listed on my credit reports for the following reasons : XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX There are several issues concerning these accounts that make them fraudulent and/or illegal. 

The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. 

The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to XXXX XXXX XXXX, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. 

The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.
Consumer complaint received 2023-08-14
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 XXXX Accounts below has violated my rights. 

15 USC 1681 section 602 A. states I have the right to privacy.

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

I demand both accounts to be removed from my credit profile immediately. Its against the law to disclose my information to a 3rd party consumer without my consent and furthermore there was never a 30 day investigation done to determine the accuracy and proper procedure. 

Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX
Consumer complaint received 2018-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MO)

I am a XXXX Veteran and have limited income. I reached out to bigpictureloans.com for a loan due shortfallings on my bills in XX/XX/2017 I was paying the installments on time only to realize that the {$800.00} I did pay on my {$1000.00} loan was only interest and that I still had over {$3000.00} to pay. How could anyone afford that? This is highway robbery. There is no way I can continue to afford to pay them {$400.00} per month on a {$1000.00} loan for the next year or so.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on TransUnion saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXXand it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX  and TransUnion should have some blame as well because dates and amounts don't line up and TransUnion was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..
Consumer complaint received 2022-12-07
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: CREDIT ACCEPTANCE CORPORATION (MI)

In Accordance with the fair credit Reporting act XXXX XXXX XXXX  Account # XXXX 15 USC 1681 Section States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It states a consumer furnish an account without written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-12
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. (GA)

15 USC 1681 Section 604, " States rights to consumers privacy ''. Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! The account listed below are in voilation of this law, XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by XXXX and Equifax. 
XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by XXXX and Equifax. 
XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by XXXX and Equifax. 
I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I bought a car from usauto .I had an accident XXXX XXXXMy insurance paid the value of the car and the gap insurance picked up the dificit. XXXX XXXX XXXX  took over the bankrupt company and is saying I owe over {$12000.00} and even put it on my credit.I have checks sent to both companies and even over paid the loan over $ XXXXthis car was paid in full with excess