davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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. (WA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

I noticed an account on my credit file of which I was not aware of, I contacted EOS CCA to ask for debt validation 3 times and they have not responded. I contacted the BBB and EOS CCA said they would send debt validation within 10 days they have not done so to date. I reached out to the credit bureaus and they informed me the debt was verified, how is that possible when the company EOS CCA who is reporting the debt is not even the owner of the debt? Furthermore, the company claiming to be the current owner ( XXXX XXXX XXXX ) is pretending to be a lending institution, who is claiming I took out a loan or some type of credit with them, which I did not. Isn't it against the law for a collection to try to collect a debt that they can not prove they own or is assigned the debt by the original creditor? EOS CCA is not the owner of this debt, I have attached a bill EOS CCA sent listing XXXX XXXX as the current creditor and certified mail receipts which shows they received my request for debt validation. They listed XXXX XXXX company as the current creditor which is a lie because XXXX XXXX is not a lending institution. I have tried to contact XXXX XXXX XXXX and was unable to get an address or phone number. I have never done business with either of these company who are claiming that I owe them money. I do not owe these companies any money and I don't have any affiliations with them! They are collection companies operating under false pretense as creditors to scare or scam consumers into paying them.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (AL)

I sent a letter out around XX/XX/XXXX to XXXX, XXXX and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day -period beginning on the date on which the agency receives the notice of the dispute from the consumer of reseller. Please take action on my credit report, inquiries and closed accounts, chargeoffs on my credit report. 
Account Name : XXXX XXXX XXXX XXXX Account # : XXXX **** Account Name : XXXX Account # : XXXX
Consumer complaint received 2021-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

Aside from the many issues I have with Santander reporting incorrect information regarding the status of the account and the fact that I never received the rights to cure nor the notice of sale, items were stolen out of the vehicle post repossession in writing to the correct address I also have an issue with details unexplained regarding a response to a complaint in this forum. One of the things is a {$970.00} misc charge and the other is the fact that I am a victim of predatory lending by Santander. There is a {$550.00} XXXX dollar lawsuit that Santander agreed to forgive debts of consumers due to their bad business practices and predatory lending. Attached is a link regarding the settlement via the Attorney general. 

https : XXXX
Consumer complaint received 2024-02-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kovo (LA)

I have received a notice of delinquency on XX/XX/2024. Kovo has reported a late payment on to my account after stating that there is a billing error. This company is violating my rights to privacy and are violating federal laws in place for consumers 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ). This account shall be placed as current.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I believe TransUnion unfairly decreased my credit score by XXXX points on XX/XX/2022 due to a zero balance on a recently closed student loan. This adverse action negatively affects my creditworthiness.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

I request XXXX XXXX report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. XXXX XXXX is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. XXXX XXXX XXXX XXXX has reported XXXX of my banking transactions, XXXX XXXX  has reported XXXX of my banking transactions, JP Morgan is reporting XXXX of my banking transactions and XXXX XXXX  service is reporting XXXX of my banking transactions all together, along with XXXX other banks that I have not currently list. I have provided documents of each transaction.
Consumer complaint received 2021-01-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (IL)

On XXXX XXXX Speedy Cash XXXX added an account to collections on my credit report in which I am just now seeing on XXXX  as I'm normally only using XXXX XXXX which reflects only my XXXX  report. This is not reporting on my XXXX  nor XXXX  report. This only reflects on my XXXX  report. Upon, further research the debtor could not provide original contract or signatures. There hasn't been no form of communication or contract for this accused debt at all. According to the FCRA, Speedy Cash XXXX has violated my rights as a consumer and I am requesting legal action to remove this debt from my credit report immediately.
Consumer complaint received 2020-08-17
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. (TX)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX $ XXXX {$10000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX {$550.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX  XXXX {$4000.00}
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (NV)

On ( XX/XX/2020 ) I wrote to Experian and XXXX  about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (IN)

I applied for loan on line with XXXX XXXX  XXXX  XXXX XXXX XXXX Thinking I was getting a loan from a bank I got an email a few weeks later stating the bank had sold the loan to Net Credit at a 99.4 % interest rate.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2024 XXXX XXXX XXXX This is a written notice of dispute, which gives me the ability to dispute any information on my consumer credit report. My initial dispute was due to the inconsistency of the information provided on my credit report, which was not in compliance with FCRA guidelines and violates my consumer rights. 

As a result of the dispute, I have received a response from each consumer reporting agency. 

Experian investigations results status remains as verified after two reinvestigations.

TransUnion credit file dated XX/XX/2024, File number XXXX - deleted XXXX XXXX XXXX file dated XX/XX/2024, Confirmation # XXXX deleted XXXX & XXXX Supporting documentation : Included is a copy of TransUnion and XXXX credit report that contains the investigation results. XXXX and TransUnion still remain inaccurate, incomplete, and unverifiable after the investigation. 

DEMANDED ACTION : Remove from my credit report pursuant to FCRA 623 ( a ) ( 1 ) ( B ) and 623 ( b ) ( 1 ) ( d ) ( e ), 15 USC1681e ( b ), 15 USC 1681i ( 5 ) Account : XXXX XXXX XXXX- Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (TX)

For more than a year and three months, I have attempted to make contact with the ALLY company in an effort to satisfy my debt ( auto loan ) but only after negotiating a lower, more fair final price for my situation. I have made contact and so has my lawyer as well as close family members. We are sent back and forth between different departments or call centers and none of them are ever able to directly answer my questions or help me with this negotiation. I have had the same/ similar disputes with other companies and each time we are able to achieve a resolution and come to a reasonable agreement. I am aware also that class action lawsuits against this company are common due to their predatory lending techniques and unfair treatment of borrowers. 
I don't wish to pursue litigation against this company at this time. I solely prefer to resolve the situation so that we can mutually benefit from the negotiation. They receive payment of the debt and I have a written receipt of payment and derogatory information removed from my credit report. I understand a company having perhaps a staffing problem and maybe their negotiation department has been understaffed and that could explain the problem. I know however that a business is responsible for their employees as well as its " treatment of customers. I feel that I have received unfair treatment from Ally. I have wasted valuable time as well as energy and have suffered XXXX and XXXX related to the handling of my debt with this company. I have struggled to be present and mindful in both my personal and professional life. Since XX/XX/2022, I have made contact with ALLY either weekly or monthly. In XXXX XXXX XXXX I was finally sent a bill of sale for the vehicle which was repossessed and sold at auction. I have since attempted to negotiate a settlement with the company through the company 's online customer portal and by phone. All my attempts to reach someone who is willing to negotiate have been unsuccessful. The worst situations, multiple days in which I had been placed on hold by their redemption center, In house collections and ally account servicing for the entire day from XXXX XXXX cst to XXXX cst. I have also been sent straight to voicemails/answering machine to which I leave my information only to never have my call return. I feel out of options so that is why I am writing to consumer finance in hopes that something can be achieved or accomplished with reaching the ALLY company to resolve my account issue. Thank you.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

The Wells Fargo credit card division is completely inept and is unable to accommodate a simple request. The retail banking division was provided a statutory durable power of attorney a week ago which was approved by their legal department to allow me to move funds from a family member 's account who is mentally ill. I have also advised to close a credit account, as well as debit card accounts and the credit card division, including their Executive office representative, is unable or unwilling to simply call the retail banking division 's Legal office to confirm receipt of the power of attorney in order to close the account. The account holder is in a dire condition and by not closing the account and continuing to allow access, Wells Fargo may be creating a dangerous welfare situation for the account holder. This is completely unacceptable. The individuals which were contacted are as follows : 1. XXXX - Customer Service 2. XXXX - Customer Advocacy 3. XXXX - Executive Office.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (TX)

I signed up for Experian to improve my credit. Today, XX/XX/2020, I received an email from them saying to improve my credit get a XXXX XXXX that they matched to me. I took their advice and submitted application for the XXXX card. I was immediately denied and got an alert within seconds that said my credit score had been lowered by 12 points due to a hard inquiry on my credit report. If I wanted to dispute this to contact their customer service. I called customer service at Experian and the lady I talked to said this not disputable. I would need to contact Consumer Finance Protection Bureau.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (PA)

I request early warning report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. Early warning is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. XXXX XXXX XXXX XXXX has reported XXXX of my banking transactions, XXXX XXXX  has reported XXXX of my banking transactions, XXXX XXXX is reporting XXXX of my banking transactions and early warning service is reporting XXXX of my banking transactions all together, along with two other banks that I have not currently list. I have provided documents of each transaction.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NC)

I cancelled an American Express personal card in XX/XX/XXXX at which time a customer service representative told me they would credit the account for an outstanding annual fee of {$95.00} since I was cancelling the card. Then I opened a new card in XX/XX/XXXX and began using it without any issues. In XX/XX/XXXX, charges on the new card were declined because American Express was showing an outstanding balance of {$95.00} on an old card. Customer service basically held me hostage with the {$95.00} balance that was supposed to be credited to my account and required me to make that payment, despite it not being owed, if I wanted my new card to function again. I made the {$95.00} payment, but I dispute that I owed that amount and am amazed that American Express would treat its customers like that, especially those of us that are consumer and small-business customers.
Consumer complaint received 2021-01-06
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. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2023-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC. (LA)

I have written into CBS Collections on XX/XX/2022 ( document attached ) concerning this illegal debt. I have no contractual business obligation with CBS Collections, therefore CBS Collections should NOT be reporting a delinquent account to my XXXX, XXXX XXXX XXXX credit bureaus stating that I owe, {$300.00}. Nevertheless, CBS Collections is NOT licensed in the state of Louisiana to " collect '' delinquent debts on behalf of anyone ( document attached ).
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

Target is charging me a {$40.00} late fee PER MONTH on the running balance! THIS plus interest on the running balance. THIS IS OBSCENE AND USURIOUS! 

I shall not pay the late fees on running balances and SHALL DECLARE BANKRUPTCY IF NECESSARY TO AVOID PAYING THE LATE FEES!
Consumer complaint received 2023-03-20
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of negative information that appears on my credit report, as provided by your agency. Specifically, I would like to dispute the following items : XXXX Account Number : XXXX I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

XXXX XXXX Account Number : XXXX Similar to the previous account, I have no recollection of ever belonging to this account. Therefore, it is not possible for you to update it. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this matter and provide me with the results of your investigation. 

The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XX/XX/XXXX - This name belongs to someone else. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ), I am requesting that you delete this incorrect information from my credit report immediately.

I am also requesting that you provide me with a free copy of my credit report, as provided under the FCRA, 15 U.S.C. 1681j. I am entitled to this report because I have been denied credit based on information contained in my credit report.

Thank you for your attention to this matter. Please provide me with written confirmation that you have received my dispute letter. 

Sincerely, XXXX XXXX