davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

All credit Bureaus Has been notified of these fraudulent activities and they have no follow the rules of congress and removed all information listed in FTC and Police report and written letters sent. 

PLEASE HAVE THEM REMOVE ALL ACCOUNTS
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing this account listed with XXXX XXXX for well over a year. During this time XXXX XXXX has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX XXXX. There should not be a balance on an account that has been sold to collection agency. The account balance should be {$0.00}.
Consumer complaint received 2022-01-25
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. (TX)

I have disputed the accuracy of the following derogatory information. 
That has been wrongfully inserted in my credit profile. I have requested that all three major Credit Reporting agencies investigate the accuracy of the following wrongful information listed below.

As part of the Credit reporting agencies, I have requested verification of the original contract with my signature. Additionally, have requested the method of verification. As of to date, I have not been provided with requested data. Resulting in ongoing derogatory data in my credit profile.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (IL)

GATESTONE COLLECTIONS. When making a payment no receipt or confirmation number is generated to verify the payment has been made. Even after the payment has cleared. Further, XXXX only shows the total amount owed and does not include the amount of the agreed settlement amount owed. It is also almost impossible to reach anyone at XXXX and further when you do reach someone they are in XXXX and do not understand or speak XXXX very well. 
XXXX XXXX
Consumer complaint received 2019-11-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (ID)

I received an offer in the mail for a loan which I accepted. I went to the company 's website, Cashnetusa, and completed the application. I was approved for a loan of {$1200.00}. I received this amount on XX/XX/19. My first payment, XX/XX/19, was for {$320.00}, which I paid. 
My second payment, due XX/XX/19, is for {$470.00}. This is ridiculous. That is {$150.00} more than it should be. Also, my current balance is {$1500.00}. This is the exact opposite of what should be occurring. NONE of my payment was applied to my loan. My scheduled payment is {$150.00} more than the first payment I made. This is horrible, I in no way was prepared for a {$470.00} payment. 
I called CashnetUSA and was told by a representative that " the second payment is always higher, and the third payment will go down ''! This is convoluted and defies explanation. 
Would you please look into this? No one would take out a loan under these circumstances if this were anything a reasonable person would expect.
Consumer complaint received 2022-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (IN)

hello i sent a letter to a company called AMERICOLLECT as it shows on XXXX XXXX  that they say i owe somekind of debt but never responded to my letter to validate the debt i read on the internet they have 30 days to respond that was 2 months ago i even have proof the letter was recieved and signed for i saw on the internet thats a violation of 15 usc 1692 g ( b ) Collector must cease collection efforts until debt is validated, on top that i wrote a letter to all of the credit bureas they verified it anyways they keep furnishing inaccurate information which is causing my blood pressure to raise the account status is open and its a collection account this is clearly not accurate and the date of last activity is showing 3 different dates the laws says the bureas must report 100 percent accurate also google new laws in california tuens out this company is not registered with the ( DFPI ) PURSUANT ( DCLA ) DEBT COLLECTION LICENSING ACT
Consumer complaint received 2022-05-29
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: ALLY FINANCIAL INC. (PA)

Ally Financial has responded to prior complaints that I have set forth with CFPB. Both complaints outlined the issue directly yet Ally failed to respond accurately and actually contradicted itself in both responses. 

Ally account number XXXX is a corporate account for A company. The company was cosigned for by myself. The account never showed up on my personal credit recording until the company fell on hardships and ultimately went under due to a customer not paying the company roughly {$1.00} XXXX. Regardless of the circumstances on a personal level I caught up to reach a settlement with Ally on resolving the corporate failure to pay. As terms of that settlement Ally agreed to remove the trade line info from my personal credit history once payment agreed to was made. Allys terms were that payment must be made to them in certified check form for the amount agreed to an overnighted to them. They also requested we scan a copy of a check along with tracking numbers the day it was sent out, we did exactly what they asked for as part of the agreement. 30, days later we noticed not only was the account show as late payment even a month after they were paid but ALLY claimed to have no records of the payment. We needed to go to our bank and request proof Ally cashed the check. That transaction came back as cashed XXXX. Once we showed proof to ally they then agreed to update the status however have now stated they will not remove the tradeline meaning they didnt get the teems of our agreement with them on resolving an account held be a company year being paid for and resolved by a co signer. 

Ally came back to CFPB In complaint XXXX stating payment wasnt paid even thought it showed it was paid a month earlier. They then gave a response to complaint number XXXX saying it was paid however still not keeping to the terms of our Mutual agreed to agreement in regards to removing the tradeline in full from the credit report. 

I am asking the CFPB investigate into Ally for the fraudulent practices they commited in Deceiving me while I was under the impression they were acting in good faith while working out the settlement agreement.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gatestone & Co. International Inc. (IL)

I, the original creditor and consumer received a disrespectful debt collection letter from Gatestone & Co. International Inc. attempting to collect a supposed debt. The debt collection letter stated that Gatestone & Co. International Inc. is a debt collection company. With that being said, Gatestone & Co. International Inc. are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Gatestone & Co. International Inc. violated 6 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.
Consumer complaint received 2019-11-25
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. (GA)

I reported improper reporting of bankruptcy to Transunion on my XXXX XXXX XXXX XXXX has reinstated my credit card due to a mistake on their part as I am not in any type of bankruptcy. However Transunion is still reporting bankruptcy on my credit. I reached out to XXXX  and they state they have corrected their error and reported the bankruptcy was an error by XXXX and reinstated my credit card. Transunion still reporting bankruptcy on new updated report they provided after their investigation which is invalid.
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this company has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off I have tried numerous times to have this situation resolved with no resolutions. 
I C SYSTEM XXXX.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (CT)

The bank im referring to is Current bank and I recently just got my account closed with no explanation, Ive tried to figure out why and they cant tell me been on the phone with the person in charge wont tell me why its closed now im trying to get my money out theyre saying they cant do nothing I have to respond to a email by fraud team i respond to the email 7 hours ago no response these people are playing me and playing with my money.
Consumer complaint received 2022-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (TX)

The CBE Group Inc-Former at : The CBE Group , Inc. XXXX XXXX XXXX XXXX, IA XXXX XXXX been sending me collections notices in the amount of {$2200.00}. The collection has been reported as past due balance. I'm not aware of the company, nor have I conducted buisness with them. This company doesn't have a contract with my signature.
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (PA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2022-05-29
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. (FL)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

My chime checking account got ran for {$310.00} with a fraud fake XXXX account and I have proof its not legit and statements from my actual XXXX  that I only pay {$79.00} a month and chime keeps denied my request of a dispute.
Consumer complaint received 2022-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IN)

Complaint against " Loancare '' and servicer " XXXX XXXX. '' They will not send updated terms and agreement for loan modification. Request updated morgage filed XXXX and documents as requested over phone. Loan care excuse " our computers haven't updated. '' They continue to send old statements with old balance and interest rate. Asking for help and recovery of attorney fees. Homeowner are veterans.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I XXXX XXXX was served papers around XXXX, XXXX from the court house in XXXX Tx, ( XXXX ) XXXX. Midland Credit management, XXXX, is suing me, XXXX XXXX, ( XXXX ) XXXX ) for the amount of XXXX $ that they acquired from XXXX XXXX, on behalf of XXXXXXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX on the purchase that was made with neither company having any record of that amount in all totaled purchases using XXXX. When I contacted Midland credit Management after several times and a week later, one of Midlands customer service people had told me the the Purchase was from a person with a last name of XXXX, and address of XXXX XXXX XXXX. XXXX NC XXXX, from which I have never been or have known of this person, or knowledge of any purchase from which was made. The Company suing me is where I acquired the name and address of this person that did make the purchase.The Credit Bureau has put this against me as bad credit. And needs to be reversed.
Consumer complaint received 2022-05-29
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: EQUIFAX, INC. (OH)

I requested in writing that my personal information on my credit reports be updated as it has erroneous names, phone numbers, addresses & employer. 

I also contacted the credit bureaus and the companies that I did NOT authorize to pull a hard credit report and requested that they remove them from my report. They told me that they would remove them and they have NOT. I would like an investigation as you will not find any authorization by me with my wet signature on it for these following companies to pull hard reports. If they are not able to provide that, I am requesting an investigation. My legal name is XXXX XXXX XXXX and I would like that to be reflected on my credit files please. 

The following are erroneous names that I would like removed from my credit files : These have never been my names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX The following are erroneous addresses.and I would like them removed from my credit file These have never been my addresses. : 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 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 I never authorized the the above companies to pull hard credit inquires on my credit files . I would like these investigated and you will see that there is not any authorization by myself with a wet signature.
Consumer complaint received 2022-05-29
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. (OH)

I requested in writing that my personal information on my credit reports be updated as it has erroneous names, phone numbers, addresses & employer. 

I also contacted the credit bureaus and the companies that I did NOT authorize to pull a hard credit report and requested that they remove them from my report. They told me that they would remove them and they have NOT. I would like an investigation as you will not find any authorization by me with my wet signature on it for these following companies to pull hard reports. If they are not able to provide that, I am requesting an investigation. My legal name is XXXX XXXX XXXX and I would like that to be reflected on my credit files please. 

The following are erroneous names that I would like removed from my credit files : These have never been my names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX The following are erroneous addresses.and I would like them removed from my credit file These have never been my addresses. : 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 Unauthorized hard inquires : 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 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  XX/XX/XXXX I never authorized the the above companies to pull hard credit inquires on my credit files . I would like these investigated and you will see that there is not any authorization by myself with a wet signature.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (NC)

I have sent numerous letters with no results or information regarding these disputed accounts The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on... 

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

A charge on my account was made by XXXX XXXX did not order, did give them any card information. Bank won't refund my account or return my. phone call. Paper work that was requested was mailed next they claim they didn't get it went to XXXX XXXX got the papers we filled them out and faxed them right then and??? Still out XXXX $
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my six 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
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : Experian : XXXX XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00} XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$430.00}
Consumer complaint received 2022-05-30
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. (WA)

N accordance with the Fair Credit Reporting act, -XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX, account # XXXX -XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX account # XXXX -XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX -XXXX  XXXX XXXXXXXX account # XXXX -XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.