davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I have a letter from their attorney, XXXX XXXX, XXXX dated XXXX XXXX, 2023 saying the debt was paid in full. They also returned a payment I sent saying it was overpaid. 

I have so much on this company and how unprofessional and unethical they were at handling my account. It would be impossible to list everything I have done to notify authorities that they have totally mishandled their methods of selling and installing said products. 

I just want the correct information reported to the credit bureaus as it negatively affects me. All accounts with this company were paid as agreed upon. 

Thank you for your assistance.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

On XX/XX/2022 I mailed ( because the TransUnion website wouldn't let me create a dispute online through my online account ) a credit dispute letter regarding a credit card account that I paid off and did NOT close intentionally because of the age of this tradeline. TransUnion incorrectly closed out the account and this has adversely affected my TransUnion FICO score in XXXX important areas ; XXXX age of established credit and XXXX usage of credit extended. Because of this my TransUnion FICO score is XXXX points lower than XXXX and XXXXThis is greatly hindering my ability as a consumer to shop for and get approved for the best loan products currently available. Additionally, I have no way to find out the status of my dispute. I'm hoping this critical matter will be corrected as soon as possible as it has now been XXXX month since I opened the dispute.
Consumer complaint received 2022-05-20
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: ENCORE CAPITAL GROUP INC. (SC)

In accordance with the fair credit Reporting XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-07-25
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX**** ; XXXX  XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX ( Original Creditor : 11 XXXX   XXXX ) XXXX**** ;
Consumer complaint received 2022-12-16
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. (DC)

This is my SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Consumer complaint received 2023-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I noticed an inquiry on my report I didnt authorize fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX of 2021. I contacted the dealership multiple times informing them of the inquiry and they would not explain or provide anything to verify it was done by me. They then contacted me asking if I wanted to buy a vehicle when I sent the demand letter and were very ignorant laughing at me.
Consumer complaint received 2021-11-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (VA)

After reading and understanding my federal rights as a consumer, I noticed fraudulent activity happening within the retail installment contract. The FDCPA intends to secure consumer right to privacy, and my privacy has been breached. There is abundant evident evidence that proves Ally financial has been participating in abusive, deceptive, and unfair debt collection practices. After stating claim and disputing the fraudulent activity, Ally financial is still attempting to collect a debt that is not owed. As a Consumer, original creditor, and natural person within the Truth and Lending section of the retail installment sale contract. The holder of the contract is subject to all claims and defense. Pursuant to 15 U.S. Code 45. Im reporting this activity to CFPB because my rights have been violated. Pursuant to 15 U.S. Code 1692k, Ally Financial willfully failed to comply with the requirement under the provision of 15 USC 1692 ; therefore, Ally Financial is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth
Consumer complaint received 2021-11-15
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY (VA)

XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated
Consumer complaint received 2019-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

In XX/XX/2018 I was never 30 days late. I believe you have some problem with your payment app. And when statement is generated. I am personally confused when looking at the breakdown. XXXX was paid on XX/XX/2018 as what their app requested.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX, I received a Credit Karma alert indicating a new Hard Inquiry to my credit profile. I immediately logged into Credit Karma and saw a hard inquiry from XXXX XXXX XXXX of which I did not fill out an application for credit. I immediately called the phone number associated to the inquiry and spoke to phone agent in Fraud Application reporting the issue. The agent was apologetic and reported she would close down the application and send me an Identity Packet in the mail. To date, nothing received. Instead, 2 new credit applications submitted to XXXX XXXX in attempts to open credit and XXXX XXXX pulling my credit report. If a consumer calls once reporting fraud, why would XXXX XXXX allow further applications so close to the recent fraud date?! This appears irresponsible as a creditor and commitment to prevent fraud scammers. 

Please help me as now XXXX Credit Applications are submitted and XXXX XXXX is not doing anything to prevent this from continuing. I already reached out to TransUnion who gave me the run around for over an hour. Why is it so easy for a fraudster to commit fraud and a nightmare for the victim to get help. This is why I am reaching out to you. Please help!
Consumer complaint received 2021-11-15
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: CITIBANK, N.A. (TN)

To whom it may concern : I am filing this complaint because on XX/XX/2021 there is an authorized hard inquiry on my XXXX credit report. Before I decided to file this complaint, I did confirm through the annual credit report website that this was indeed a hard inquiry. Also I am XXXX percent certain that I did not authorize this or apply for credit. The bank / lender that initiated the credit inquiry XX/XX/2021 is Citi Bank. I attempted to rectify this situation with them but after speaking with the XXXX department, I was told that they don't have access to credit files and that the company would not be able to help me. Also, I contacted XXXX. I received conflicting information from XXXX. Although their site says that disputes can be handled over the phone, online or by mail, I was told by a supervisor that they don't handle disputes and that I should contact the FTC. The FTC 's website connected me to the CFPB for assistance. I take my credit very serious and I feel it is an unfair practice for Citi Bank to initiate this inquiry on my credit report. Once last thing that I will mention is that I checked all 3 credit agency reports. XXXX shows a Citi Bank soft pull on the same date and there is no Citi bank inquiries on XXXX. Weather intentional or in error, I am simply asking for help to get this fixed. I look forward to your reply. Thanks in advance.
Consumer complaint received 2019-11-22
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: CITIBANK, N.A. (NC)

In XX/XX/2019 I opened a secured credit card account with CitiBank in the amount of {$1000.00}. Under the agreement of the secured account my credit limit would be equal to my deposit. I have paid my monthly bill on time every month without any problems. On XX/XX/2019 Citibank Approved a transaction in the amount of {$2200.00} without my approval and a amount that was {$1200.00} over my credit limit. The charge was a overcharge from a car rental place. I filed a dispute and Citibank sided with the car rental place, even after admitting I never gave the car company authorization. Citibank has the paperwork that clearly shows I never signed the agreement. Citibank will not fix the problem or explain how My account was charged {$2200.00} with my credit limit only being {$1000.00}. Whose to stop them from approving a {$100000.00} charge then telling me I owe them? This charge should had never been approved and definitely should not have sides with the merchant if the agreement was never signed. I have the documents but Citibank uses a complicated process for documents that prevents you from downloading or printing the files?
Consumer complaint received 2021-11-15
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Late/Closed XXXX XXXX  XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX ChargeOff XXXX XXXX XXXX XXXX {$0.00} Opened Date XXXX XXXX, XXXX
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (OH)

I had a credit card go into collections. The company handling it is XXXX. They also have several other companies under their umbrella. I reached an agreement to pay less than what is owed. I paid the agreed amount, and they are still refusing to report it as such on my credit report. They are still trying to collect the amount that was suppose to be written off. I have all the correspondence and its over 30 pages, so I can not upload it. But I can send it via fax or USPS. I also have the proof that I paid the amount and that each check cleared the bank. I have bank statements, cancelled checks, as well as receipts from the company acknowledging that they received my payments.
Consumer complaint received 2021-11-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : BANK OF AMERICA XXXX Balance {$15000.00} ; BANK OF AMERICA XXXX Balance {$12000.00}
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lustig, Glaser & Wilson, P.C. (MA)

I had a XXXX XXXX charge card opened in XXXX. I had financial problems as the Real Estate market is unpredictable and I'm a XXXX. I was making payments to XXXX XXXX in XXXX of {$75.00} dollars I missed a few payments after about 6 months they sold my account off to XXXX who in turn sold it to Lustig, Glaser & Wilson.  This Attorney has not been agreeably to settling the first time I asked them they filed a judgement against me while I was trying to save my home from Foreclosure, make car payments and health insurance payments all on a XXXX XXXX salary & my XXXX  job. I told them I had XXXX kids they didn't care we had to go on food stamps for a short time as well do to my wife having XXXX. I missed a court date and than I had to show up at the 2nd one and this Lawyer just does not want to work with me he just sent out paper work asking me to do a profit and loss for him so he can continue to try and harass me is the wrong amount and XXXX XXXX did not take off any of my payments they continued to charge a late fee even though I asked them to close the account. My youngest daughter was just in XXXX XXXX XXXX for 12 days due to her XXXX XXXX and we have to take her back for the next couple weeks to test her blood to make sure her white blood count goes back to normal as the XXXX could not remove all the toxins.
Consumer complaint received 2018-09-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  isnt doing nothing just collecting all my disputes trans union is not even letting me look at credit i need to monitor my credit b/c of hacking and ID theft victim
Consumer complaint received 2022-05-20
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. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
>Foursight - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX, XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize hard inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I contacted XXXX XXXX loans about it right away when I got alert from XXXX Credit bureau. I believe, I am victim of identity theft. XXXX XXXX loans said they sent request XXXX different times ( first in XX/XX/XXXX, second time XX/XX/XXXX and third time in XX/XX/XXXX ) to all credit bureaus to delete the inquiry. So far only XXXX has updated my record by deleting unauthorized hard credit inquiry. Contacted TransUnion and XXXX to dispute via phone and online with no luck and denying that they have not received any deletion request from inquiry originator.
Consumer complaint received 2021-11-15
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. (CA)

I have had issues with identity theft and filed a FTC report, police report and all required identification documents to have the incorrect information removed from my credit report. XXXX has removed the incorrect information. XXXX has removed the incorrect information. Experian is has not removed the fraudulent account. I have written letters and spoke with them over the phone but they do not follow proper FCRA procedures and are not removing the account. The Account is from XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-11-15
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. (VA)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2019-02-01
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: EQUIFAX, INC. (CA)

I don't have a financial obligation to these companies and it is negatively affecting my credit score, please remove it immediately XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX