davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

ON XX/XX/XXXX2024 AT XXXX i brought a vanilla gift card loaded {$310.00} on there ( im homeless just lost my apt ) was gon na use this for my phone bill and an cheap XXXX many issues and phone calls later i couldn't use my card anywhere. later that day someone got access to my gift card without having the physical card meanwhile i couldn't use the card anywhere online or in store minutes after purchase. after several calls to the company they cant being dishonest and deceitful which is unacceptable today is XX/XX/XXXX i called them to get an update on a dispute case to be told its not dispute case anymore without any notification from them to be hung up.
Consumer complaint received 2022-11-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX XXXX FI Date of inquiry : XX/XX/XXXX Please remove it from my credit report 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 10. Validate account XXXX Account Number : XXXX Please remove it from my Credit report 11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my Credit report 12.Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my Credit report
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Global Lending Services LLC (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2022-11-01
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. (GA)

I submitted a CFPB complaint back on XX/XX/22 under ID # XXXX regarding identity theft to Experian. In their response to me they indicated that the 4 fraudulent accounts were no longer being reported at this time on my credit report. However, upon reviewing my credit report today XX/XX/22, the 4 fraudulent accounts are still being reported. I demand that you remove those 4 fraudulent accounts immediately. 

Thank you, See attachments
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

I received a letter today dated XXXX from TDD Retail Card Services regarding an application under an incorrect name with my personal home address, and likely my SSN. 

The fraudster is usuing my address, my first name with my mother maiden name. my mother is deceased. The fraudster had recently also used this name to try and collect unemployment benefits from XXXX. I have filed with them separately.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (FL)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-05-21
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: Santander Consumer USA Holdings Inc. (LA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have unresolved issues with Experian. I was part of a class action lawsuit through State Of Mississippi District Attorney under the claimant name of XXXX XXXX. Which the state won due to incorrect information being added to consumers reports. 

I am still having major issues going forward. 
There are several names that are not even me, as well as a social security number ending in XXXX. 
I Never had a name of XXXX XXXX XXXX, or XXXX XXXX XXXX. Addresses in California at XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and so many other I can not even write in statement. 

Never married or co applicant with a " XXXX '' Below is now a list of the accounts i have attempted to rectify by mail or even called. : XXXX XXXX XXXX  XXXX was paid off by agency they transferred it too so how can it be a charge off/written off debt. 

XXXX  XXXX XXXXNever owned an account with this company/person. Have inquired with this company that has no information to provide in regards an account. Called Experian on this account 3 times and still no proof of anything. 

-XXXX XXXX XXXXXXXX Duplicated information is listed multiple times on this credit report. I have 3 student loans in deferral status due to bankruptcy. This is listed on my credit 7 times. 
- XXXX XXXX XXXX XXXX page XX/XX/XXXX. This is ex husband XXXX XXXX Debt effective XX/XX/XXXX per divorce. 
-Page ( s ) 20-31XXXX XXXXXXXX XXXX XXXXXXXX are in XXXX bankruptcy should not reflect written off. They updated this information in XX/XX/XXXX, I have been in bankruptcy since XX/XX/XXXX. Balance ( s ) are not correct. Please Correct or remove as this is a violation of Bankruptcy law. 
-Page 32 and 34XXXX company sent written statement to advise they where unable to locate an account. as of XX/XX/XXXX they mailed letter stating that debt was sold to XXXX XXXX at which XXXX XXXX has no information on an account for consumer. 




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Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2021-05-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (TN)

After divorce I had to file bankruptcy. I paid off my debts and came out of the bankruptcy XX/XX/XXXX. My regular payments resumed and I continued to pay without missing a payment. My credit score had increased so I decided to refinance my home. I logged onto the website to get my information regarding the payoff balance etc and Selene said that a bankruptcy was attached to my account that was in effect as of XX/XX/XXXX. I was advised I could make payments but would have to have the lawyer submit proof of bankruptcy discharge. I have sent this by email after multiple escalated calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The times I have called is also substantial. 

I was approved for a refinance loan at almost 50 % of what I pay to my mortgage company and I have been unable to move forward with this because they won ; t take the bankruptcy documentation off of my file. Luckily it does not show on my credit reporting, because I am not in an active bankruptcy. What are my steps I can take to get them to fix this so I can pay my bills? I deserve the opportunity to have a lower mortgage payment so my family can continue to thrive. I have paid of the bankruptcy, repaired my credit and worked hard to do this. 

Every time I call, I advise them I want to speak to a supervisor for an escalated issue. I am asked if this is the mailing address, do I live in the physical house etc. and mail is still being sent to the bankruptcy lawyer, who in return, puts it in an envelope to me and adds a sticky note asking why are they getting my mail, they dont represent me anymore. I have occupied this home in good faith for 13 years as of XX/XX/XXXX.
Consumer complaint received 2023-06-03
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. (FL)

THIS IS MY 3rd ATTEMPT. IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100ACCURATE. PLEASE REVIEW AN DELETE ALL DATA SUBMITTED ASAP.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

On XX/XX/2020 Conns offered me a settlement of {$3800.00} to settle my account with them. I paid the settlement amount of {$3800.00} on XX/XX/2020 at XXXX. And still to this day my account has not been closed. It is still showing that I owe on this account and I have been getting late payments on my credit every month for this account after my settlement payment.
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Purchased a new XXXX truck around XXXX of XXXX. Truck was totaled in auto accident XXXX of XXXX. XXXX XXXX received money from insurance company and released vehicle. A small balance was left but no statement was sent to inform me of the balance. 90 days passed before I was made aware and XXXX XXXX had flagged my acct as 90 days past due. I immediately paid the balance in full. I have disputed this numerous times and spent countless hours on phone with XXXX explaining the issue to no avail. The acct also continued to show {$0.00} past due after balance was paid in full. Please have the XXXX accounts removed from my credit reports.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (FL)

I am writing to formally dispute the recent credit report that contains inaccurate information regarding my account [ Specific inaccurate information, such as " missed payments '' and " late payments '' ] I request that you provide me with detailed statements and records of all payments made and missed since I opened this account.

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

Jefferson Capital System XXXX {$2300.00} Jefferson Capital System XXXX {$590.00} XXXX XXXX XXXX {$620.00} I Do Not Believe That This Debt That Is Being reported Is Valid And I Want It Removed ....
Consumer complaint received 2022-11-01
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. (OK)

On XXXX I reached out to Transunion, XXXX, and XXXX and talked to XXXX at Transunion, XXXX at XXXX, and XXXX at XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these from my Credit Report.
Consumer complaint received 2021-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (VA)

Received a bill on XX/XX/XXXX from Elevate Recoveries , LLC collecting for their client XXXX,  XXXX with the original Creditor XXXX XXXX XXXX XXXX, XXXX. XXXX has tried with 7 different Collections agencies trying to collect on this debt. I have requested on 6 other occasions to validate this debt with the Original bill, signed Hippa document along with a copy of my driver licenses. Each time documents have never been sent to validate this date. 

I spoke with XXXX at ext XXXX on XX/XX/XXXX requesting that the debt be validate with the bill, signed hippa form and a copy of my drivers license, XXXX stated that they only had to send the bill and she would request this information from XXXX. 

I spoke with XXXX XXXX XXXX XXXX and they informed me to request this information from the Collection company.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Hello, I am writing a complaint because this XXXX XXXX account XXXX is negatively affecting my credit report. I disputed this account originally back in XXXX of this year regarding furnished information appearing on my credit. This account is appearing has a collection/charge off and was closed back in 2016 however this account is reporting current payment history which doesnt make sense since this account is closed. This account shouldnt have any payment history reporting since its already been closed. Also, from looking at the FCRA it considered a violation by furnishing information. Anyways I disputed this account again twice in XXXX but there was still current payment history after Ive repeatedly disputed it but also the account was not verified. Please take a look at my previous credit reports, my most recent one and my proof showing my letters were sent certified mail.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (NC)

My personal information was leaked by Equifax, and I now have to lock everything down and for the rest of my life my SS # and all my financial information will be in unknown hands.
Consumer complaint received 2022-11-01
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. (FL)

I am a natural person ; I am a living human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give XXXX written permission to furnish these accounts. 

INQUIRIES 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (NY)

I received a letter from Navy Federal Credit Union dated XX/XX/XXXX, which indicated that my credit card balance exceeded my approved credit card limit. They requested that I remit a {$260.00} to bring my account balance within my approved credit limit. The problem I have with Navy Federal is that I have never gone over my approved credit limit. In this particular case I had at least {$400.00} ( or a little more available to use ), I made 3 purchases two on XX/XX/XXXX, and one on XX/XX/XXXX all below or NOT OVER the credit limit. On XX/XX/XXXX, Navy Federal charged 3 times interest for purchases, transfer balance and interest ( {$10.00}, {$250.00}, & {$4.00} ). My concern is not these amounts or the interest as I know this has to be done. But it put my credit limit over and this is NOT my fault - I stayed in the limit and not over but when Navy Federal added in the interest it went over and it looks like its my fault and this is reported to the credit reporting agencies and this is not fair. 
I called Navy Federal with my concerns and received no satisfaction other than the fact they said the " overlimit '' would be reported. 
This I feel is an abuse and an unfair practice. Requesting assistance in this matter.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I called both creditors directly and they told me they would Not remove the inquiries from my credit report. 

XXXX XXXX XX/XX/2021, XXXX XXXX XXXX  XXXX XX/XX/2021
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.