davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit 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. (CO)

Our account was set up on autopay and was scheduled to be paid off in XXXX from a no-interest promotion. In XXXX we realized they were still taking the autopay out. I called and explained that we bought the item for {$2000.00} and set up XXXX payments for {$170.00} ( overpaying by about {$12.00} ) and that it should have been paid off by XXXX. After talking with them, it turns out another item we bought AND RETURNED didn't reflect as returned in their records. So they said to submit a ticket online and attach proof of the return. I did that, and then they replied saying the will investigate the issue. Two weeks later, I messaged through the portal again asking for an update. They said it would take up to 90 days, and that they " would not collect the amount reflected in the account '' or " report to the credit agencies '' until after their investigation is complete. A month later, the balance was reported to the credit bureaus, damaging our credit. I messaged them furious since they IN WRITING said they would not report anything while it is under investigation. They replied and said it would be another 30 days for investigation. Then a month later, they said they were " not able to update the account '' and that they " always report accounts that are 90 days delinquent to the credit agencies '' and are trying to say we owe a ton of money that we DO NOT. I was furious because they IN WRITING said they WOULD NOT REPORT it AND our payment records and proof of return of that other item PROVE our account WAS PAID IN FULL IN XXXX!!! The account currently shows {$720.00} in interest and late fees that we rightfully do NOT owe them.
Consumer complaint received 2022-11-14
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. (IL)

On XX/XX/2022 I was provided an update from XXXX XXXX in regard to my complaint against them for false information submitted on my credit file. XXXX XXXX responded to the complaint. However, TransUnion has not provided any update as stated in their response from XXXX XXXX. I am asking that TransUnion update my credit file with the response from XXXX XXXX. TransUnion has continued to violate my rights under the Fair Credit Reporting Act by not providing and or report inaccurate information on my credit file.
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

Today  XXXX  XXXX /2017 this collection account popped up on my credit report. I have never done business with this company nor do I have a contract wit this company. I as a consumer have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report today and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems, I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to. THIS IS A CLEAR VIOLATION OF Credit Systems illegally placed information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm   XXXX   XXXX   XXXX  . I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management XXXX ID : XXXX Company listed above has repeatedly contacted people associated with me and most recently spoke to my mother and discussed details with her such as status of my account ( s ), informed her of the collection status and discussed amount owed. This last interaction took place XX/XX/24 about between XXXX and XXXX. 

As an adult, that is working on resolving her own issues the company has no right to contact my parent as if I was a child and provide details about my affairs.
Consumer complaint received 2020-03-30
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. (MO)

Please remove the following account from my credit file, the account is not mines nor do i bare any knowledge of this account. For im not even the responsible party of this account. Please remove. 

1 ) XXXX XXXX XXXX
Consumer complaint received 2017-07-18
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. (CA)

I did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is on my credit report.
Consumer complaint received 2024-04-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IN)

We've discussed the Newrez multiple times that the taxes are inaccurate. They told us the value of the house was being taxed instead of the accessed value. XXXX the refinance people called from Newrez and they told us the taxes would be corrected if we apply for the XXXX. They apologize that the tax portion is inflated and they are not sure why. When we call to speak with the tax department we can't speak with anyone, or they are not aware of the problems from the notes.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (PA)

Recently I had received two letters in the mail from Target and XXXX XXXX XXXX  stating that I have tried to open up credit cards with Target and XXXX XXXX XXXXs on XX/XX/year>. Thankfully the credit applications were denied however, I have not authorized or attempted to open up a credit card with any of these stores. It appears that someone has my information is trying to open up credit cards that I have not authorized. The following credit inquiries are currently listed under my credit report and I have reached out to XXXX to dispute them. In addition XXXX had recommended that I would reach out to the Consumer Financial Protection Bureau.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

XXXX $ XXXX LIMIT {$500.00} DATE XXXX DATE OF XXXX XXXX ACCOUNT XXXX I SENT LETTERS EXPLAINING THIS IS NOT MY ACCOUNT NO RESPONSE FROM COMPANY IN OVER 3 YEARS, I WANT THIS ACCOUNT REMOVED FROM MY EQUIFAX CREDIT REPORT, NO ANSWER OR HELP FROM EQUIFAX BECAUSE I WAS PART OF THE BREACH WITH EQUIFAX I WANT ACCOUNT REMOVE ASAP
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

My US Bank Home Equity Line of Credit says it was late XX/XX/2019 both on XXXX  and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by U.S Bank that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

U.S Bank has already acknowledged this error, but the late payment is still showing up on my credit report.
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Exeter Finance, LLC. (MS)

So In XX/XX/XXXX The payment reads XXXX and today the bills is still at XXXX and date on this is XX/XX/XXXX im trying to figure out how a person make a {$300.00} payment a month and they keep messing with my credit score causing it to go down significant and struggling very bad on my credit score and the amount total never moves. They just received a {$500.00} check XX/XX/XXXX that they claimed that they never gotten, but they are attacking my credit score each month. They keep stating missing payments or late statements under their report to the credit bureau But I have all the receipts of the payments thats been made
Consumer complaint received 2021-01-10
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. (PA)

I am a victim of identity theft i have submitted multiple ftc reports, proof of identity as well as proof of address. I was told there was nothing they could do for me. I have called the creditors about these fraudulent accounts as well as the credit bureaus and they have completely dismissed my claims
Consumer complaint received 2024-04-17
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: FIRST NATIONAL BANK OF OMAHA (TX)

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : FNB Omaha XXXX XXXX ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore.

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation (DE)

I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with OneMain Financial. I am a natural person, federally protected consumer, and original creditor defined under 15 USC 1602 ( g ). The " loan '' which is the subject of this transaction was primarily for personal, family, and household purposes. First and foremost, I was never informed on the cost of credit and was never given adequate notice which sets forth the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ). I did not receive written notice from OneMain Financial providing the name of the original creditor or the amount of the alleged debt under XXXX5 USC 1692g. Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to pay the " loan '' without penalty which violates 18 USC 880. My decision regarding the entire transaction was uniformed. OneMain Financial has engaged in extortion and racketeering activity under XXXX XXXX Chapter XXXX. I am aware that all extensions of credit are tied to my social security number and that the United States is responsible for the repayment of the alleged debt under XXXX XXXX XXXX. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (IL)

I have reached out to the following account below and talked to them about the issue with my account as reported by the 1STPROGRESSXXXX. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the 1STPROGRESSXXXX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2024-04-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XXXX XXXX XXXX had ask credit acceptance to remove the repossession from my report which they refuse to remove it. XXXX XXXX XXXX sent them documents about the investigation and the new update as well, which credit acceptance sent XXXX XXXX  XXXX the wrongfully sent so called information to my lawyer about the me not having GAP insurance. I called credit acceptance last week and left a voicemail asking about documents if they resold the vehicle, I havent yet gotten a letter stating that the vehicle was sold. Credit acceptance knew they were high robbing their borrowers, ruining their clients credit even if the vehicle was paid in full or not. In NJ case they had the hiding fees in the contract. Which I will send the documents
Consumer complaint received 2022-11-14
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. (NY)

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 XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ears 15 U.S.C. 1681S-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the I person knows or has reasonable cause to belleve that the intormation is inaccurate.
Consumer complaint received 2017-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (GA)

I applied for a free bottle of supplement with a company name XXXX XXXX. I canceled the membership before the trial period ended, also the card I gave them was closed and a new card was issued. Suntrust allowed the XXXX XXXX to charge a card they did n't have to authorization to charge nor did they have the card number.I am in GA and my family was affected by XXXX XXXX and because of Suntrust negligence, my family has been without food 2 days.They are refusing to reimburse fees for an illegal transaction they authorized. NOT ME. I NEED MY FUND 3 DAYS AGO. 

PLEASE HELP
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (MI)

Affirm sent my unpaid loan to XXXX XXXX for collection. I paid the settlement amount and resolved the debt. Affirm updated my credit report with incorrect payment details after I have called and provided documentation to show that the debt has been resolved. Please update my credit report accurately. I paid the settlement amount and my balance should be XXXX.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got aXX/XX/XXXX response.
Consumer complaint received 2023-06-23
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

I, XXXX XXXX, am a XXXX XXXX Veteran who is bound by the laws of this nation as is any other individual. I also expect major corporations such as the credit bureaus to be bound by the same laws such as the ones enacted by the FCRA. It is frustrating and disappointing that I, who did not create these laws, must repeatedly dispute the accuracy of my credit report. I am entitled to that accuracy that all the bureaus claim to report without their ungiven authority to interpret what it means. In this case it clearly states any inaccuracy in your credit report must be removed. It is not fair that all entities involved continue to deny such rights. The inaccurate information that is being disputed at this time is the address associated with the reported bankruptcy is not mine. Again, under the FCRA I am entitled to have this removed. To be more precise I am disputing the bankruptcy on my credit report. Any conflicts or discrepancies due to specifics or lack thereof with the FCRAs law of accuracy should be addressed with the FCRA and not with the consumer. I have discussed this issue with XXXX, XXXX, XXXX XXXX, LexisNexis and XXXX who all have their own take on how they feel these laws should be interpreted and pertain to their organizations.