davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the XXXX XXXX of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.
Consumer complaint received 2022-12-20
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (CT)

I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it. I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX. 

This account has since been sold to XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$3200.00}
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NC)

Edfinancial Services has not updated my student loans account to include my " SAVE '' program information and is demanding payment even though my payment should be set to 0. I have attempted to contact them on multiple occasions however the customer service makes it incredibly challenging to get through to a real person. Additionally payments are set to renew soon and the fact that their incompetence comes so close to the deadline is worrisome for the hundreds of thousands of borrows relying on the programs benefits.
Consumer complaint received 2023-09-12
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. (VA)

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 2022-12-08
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I paid this balance in full in XX/XX/2023. I have asked the bureau to update the file four times now, and provided information from the creditor to show there is a XXXX balance. The company continues to confirm a balance that was from XXXX. They have done this each time.
Consumer complaint received 2023-06-30
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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
Consumer complaint received 2023-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

I was incarcerated from XX/XX/XXXX until XXXX of XXXX. Some time in XXXX, someone stole my identity and got many credit cards. They used up the cards and never paid. I was unaware of this until I was released in XXXX. I have contacted them MANY times, and the debt gets removed and then sold to another collection agency. I have sent them my incarceration proof, police report, and identifying documents so that they know it is me. I never receive anything back. I have attached files showing some of the letters I sent to them and also proof of my incarceration and a copy of the police report.
Consumer complaint received 2023-09-12
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: Grain Technology, Inc. (CO)

In XX/XX/2022, I changed bank accounts due to being a victim of identity theft. I did not receive a link to update my payment method until after the due date with Grain. 

The online portal doesnt allow changes to bank accounts and only able to update payment accounts through customer service. 

This resulted in my payment being late with Grain.
Consumer complaint received 2018-05-02
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Williams & Fudge, Inc (NV)

I started school inXX/XX/XXXX at XXXX College. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I never made a payment and I defaulted on my loan with XXXX XXXX XXXX. I was also out of school XX/XX/XXXX toXX/XX/XXXX. I was then in school fromXX/XX/XXXX toXX/XX/XXXX ... XXXX then made a false claim that I made three payments of $ 600+ in XX/XX/XXXXand closed my account. Impossible since I was still in school. ( XXXX XXXX XXXX campus ). Since then I consolidated my loans and according to CA law the SOL is 4 years from time of first default to sue, well in XX/XX/XXXX, I get a notice that XXXX sold my account to Williams and Fudge. 6 Years from the first default and now Williams and Fudge is suing me. XXXX is a total SCAM!!!
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (IL)

Hello On XX/XX/2021 I made a final payment of {$6000.00} to CARMAX Auto finance to settle my debt. In our agreement this would be reported to all of the credit bureaus so that the information could be properly updated and the negative status of charged off, closed as bad debt, and any other incorrect negative status. Could be removed. 

Since that time I have applied for credit cards, auto loans, and even a mortgage with the results being that I am not accepted due to a negative status account on my credit report. One company even directly told me that it is the status of the CARMAX account that is hurting my ability to be approved. I have listed the status that is being shown from each bureau which has negatively impacted my life. 

I have a documentation letter stating that this debt has been paid per our agreement and it will be reported properly. 

Parties involved. 
CARMAX AUTO FINANCE XXXX - CHARGE_OFF XXXX - Account paid in Full was a Charge-off XXXX - Paid in settlement. {$20000.00} written off.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

My Debit Visa Card was Declined twice to make purchases and make payments on my Orders. I always make sure I have sufficient funds which is always more that {$7000.00} to XXXX. 
I have never had any issues since I have opened an account in the XXXX. 
I have reached out to the Banks Representatives, ( Fraud Alert Department and the Branch Representatives ) None of them can give the right answers WHY, they have taken their time to Declined and Deactivate my Card
Consumer complaint received 2022-12-08
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. (NY)

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$22.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$810.00}.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inaccurate and outdated XXXX XXXX XXXX information below listed below was reported on my account. Its not new, its not an installment its was a civil court ordered financial acknowledged by me to pay the care giver of my child not a result of credit, it was not recently reported as listed the credit bureau made an update by finally listing the decade old case from open to close. The payments werent monthly. It closed a few years before the date listed. 
Account Status XXXX Account Type XXXX  Date Reported XX/XX/XXXX Terms Frequency XXXX Date Closed XX/XX/XXXX XXXX XXXX XXXX is is over XXXX XXXX XXXX. Clearly outdated and the below information was reported inaccurately as it relates to date reported conflicts with the last activity date, well over XXXX and XXXX years ago. Yet the credit bureau rather than delete the account, continually make updates stating information was verified without documentation of proof m. Also noted on my credit report it reads pays as agreed with a {$0.00} balance simultaneously reports sold/transfer? This has been this way on my report for years. The only recent change after I made numerous calls and electronic requests, the credit bureau closed the account but recto delete it. Its negatively effects my score history for years, high APR, loan rejection, employers haps pulled my report. Therefore my payment history and Fico Scores keep suffering. This violates my rights under the FCRA. 

Date Reported XX/XX/XXXX Balance {$0.00} Date of Last Activity XX/XX/XXXX Activity Designator XXXX Account Status XXXX
Consumer complaint received 2020-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Called previous and was told it would be fine to change my debt management pay date. All other credits did not report late. Changed due date on a Debt Management for two cards. 13 day difference XXXX XXXX at Capital one submitted for lates to be removed but during that time Capital One reported more lates and has not corrected. The two cards were finally reagged in late 2019. All thats needs to be done is correct the lates on both cards. 

XXXX XXXX left and no one else I have email including the CEO will do the right thing and finish correcting my credit bureaus with lates. 

Its really simple do the right thing. I have never missed a debt management payment and my score is way lower due to Capital one. This is a 5 year plan and I have 4 years to go and have never missed a payment.
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (FL)

When i first talked to the dealership, i was mislead by the salesman about everything, from the payment to the interest rate and the price. He didnt go over any of the paperwork nor did he give me a copy of them. The vehicle was only worth {$1800.00}. Per book value but they charged me over {$6000.00} for it and it also had over XXXX XXXX miles on it. I have jad to replace multiple parts and now the engine is blown in it as well as transmission issues. I am on a small income and now cant afford to get it fixed. So now i have a vehicle that i have to pay for and cant even use or move. I need my vehicle.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (VA)

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. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX 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 section 2 : It 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 2022-11-15
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. (IL)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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
Consumer complaint received 2023-09-12
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. (PA)

Section 15USC 1681 a ( d ( 2 ) ( A ) ( i ) explicitly excludes transactions between consumers and the reporting entity from consumer reports. Nevertheless, TransUnion is including this information. Such inclusion violates Metro2 compliance standards. Please provide the Metro2 compliance guidelines for reporting transactions to consumer reporting agencies. I request the removal of late payments, collection/charge-off status, and other derogatory data from my consumer reports immediately. Note that I am not seeking validation or verification. Negative accounts have been placed in Collection/Charge-Off Status without providing IRS form 1099-C Cancellation of Debt. This is a violation of 26 USC ss 6050P regarding the Cancellation of Indebtedness Returns. If this derogatory information is not removed within 30 days, I will file IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information with the IRS against all involved entities.
Consumer complaint received 2024-04-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (TX)

I lost my job and I am a XXXX XXXX. I got a title loan not knowing the actual terms because I was just told I was approved and to sign. Over a year and a half later.. I have paid over {$20000.00} on loan and still owe them half of that? I called the local branch and asked if they would settle because I could t afford to pay the monthly requested amount that was going just towards interest, the lady at this branch said she would request to see if she could get the car settled with a certain amount and if so she will let me know. Fast forward 4 months later I asked her again after being harassed every month if I could please settle and she then informed me that the settlement was approved back in XXXX but I was never told?? So again I asked in XXXX if they will please settle, so I called several times to ask if they would let me settle and she tells me their systems at Titlemax was being updated so she didn't know? Then here is XXXX and the day my payment is due they tell me Owe your settlement went through and you owe {$2500.00} today and then {$2500.00} next month for it to be settled? The day the payment is due she tells me this.. so I am trying to settle again with them and finally called corporate office and they never knew about a settlement because the store never reported it and I never received anything in written?
Consumer complaint received 2023-09-12
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: Experian Information Solutions Inc. (OH)

Hello to whom it may concern, have sent in dispute letters but some have not came back as corrected after 30 days, during covid I faced financial hardship and now want to remove all late payments from my credit report during the time period considering the FRCA. 
Below is my attached dispute letter sent to all 3 bureaus.

I am writing to dispute the following information that appears on my XXXX, Experian, XXXX report from XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX  with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX XXXXXXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$670.00}. 
XXXX XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as ''an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 


I personally signed and sent this letter. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened a checking and savings accounts online on XX/XX/2023 at Citizens Bank online. I made two online deposits from XXXX XXXX  - XXXX deposit of {$500.00} to savings and 1 deposit of {$500.00} to checking on the same date. I got emails saying that my accounts were opened and they have received my deposit transfer request on XX/XX/2023. I have attached these emails. 

Few days after I received the letter from Citizens bank that my accounts were terminated. It also said if there is a reminding balance, I should be received a check. So I waited for a few weeks and the check was never made it to me. So I checked my bank account on XXXXXXXX XXXX  and it was deducted the total {$1000.00} for 2x {$500.00} on XX/XX/2023. So basically my {$1000.00} is missing between these two banks. 

I reached out to XXXX XXXX and they said the transactions went through successfully on XX/XX/2023 whereas Citizens bank said the transactions were rejected on XX/XX/2023. So I reached out to XXXXXXXX XXXX  and Citizens bank. None of them can help me with my missing {$1000.00}. I feel like there is a technical glitch in one of their accounting system or some manual human error in there. So I'm reaching out to you guys to help me with this. I don't know whom I'm filing a complaint against since I don't know who's at fault. I'm filing two same complaints against both parties.