davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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: ACIMA CREDIT, LLC (MI)

On XX/XX/XXXX a fraudulent account was opened under my name for installment loan through Acima Credit. The loan was for {$2800.00} with monthly payments of {$230.00}. On XX/XX/XXXX I received a negative alert on my credit report stating that XXXX payments have been missed. 

On XX/XX/XXXX I called Acima Credit to dispute the account and they were little to no help. They told me that they require a police report to go any further with it. 

I have placed credit freezes on my credit through all XXXX  credit bureaus. 

Acima Credit Fka Simpl XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (IL)

The company is CNAC- car now acceptence company. They are trying repossessed my car and charge high interest on car loan. CNAC- engaged deceptive practice and charge very high interest rate for their cars. I am struggling pay for my car and threatening repossessed my car. I try to pay for my car and even made a couple of payments, they told me they will repossessed my car.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2021-06-01
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. (LA)

I have disputed this account several times to the credit bureaus. I have sent them a copy of the debt cancellation letter and its still not being removed. Please help I called XXXX Bank and they have said there isnt anything else they can do This is a XXXX XXXX/XXXX  bank account.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed this account several times to the credit bureaus. I have sent them a copy of the debt cancellation letter and its still not being removed. Please help I called XXXX Bank and they have said there isnt anything else they can do This is a XXXX XXXX bank account.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

On XX/XX/XXXX I was alerted that a frivolous collection agency United Revenue Corporation placed an account for collection on all credit bureaus for the amount of {$950.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. The agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statute that the collection agency can collect legally on this debt. On XX/XX/XXXX UNITED REVENUE CORPORATION wrote and informed me they have investigated and responded yet I have not been provided any legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX needs to be held accountable for its unlawful actions. UNITED REVENUE CORP HAS VIOLATED HIPPA LAWS LEGALLY YOU CAN NOT DISCLOSE ANY MEDICAL INFORMATION ON MY BEHALF WITHOUT PERMISSION. PLEASE PROVIDE A BINDING CONTRACT BETWEEN ALLEGED DEBTOR AND UNITED REVENUE CORP .
Consumer complaint received 2021-07-06
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: Finance System of Richmond, Inc. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-05-26
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/21 I noticed charges on my Citi Rewards Card in the amounts of {$660.00} and {$160.00} ( and some others that I can't see now because they don't show on my online statement ). For some reason, Citi has deleted the original account from my few so when I go to to my account online I can't see them and am therefore unable to provide data on the other charges. These charges all posted from hotels in XXXX, GA.I live in XXXX XXXX and have never booked at these hotels, stayed at these hotels, thought of staying at these hotels, and haven't traveled in a year and half due to Covid. I called Citi immediately about these fraudulent charges as soon as they showed up on my account and they said they would take these charges off my card. The originally gave me a credit of {$250.00} which seems like a random amount. This amount has since been charged back to my account. I asked them to close the account and issue a new card. The new card arrived ( # XXXX XXXX XXXX XXXX ) and these charges continued to show. I called numerous ( numerous!! ) times and kept getting the run around. They then said they'd close the replacement card ending in XXXX and sent me a new card ( # XXXX XXXX XXXX XXXX ). I was then advised during one of my calls to them that they contacted the hotel and came to the conclusion that these were definitely my charges and they then put them back on my card. They kept referring to a letter that they sent me which I never received. When I finally found the letter online ( buried in their website without an alert even though it had a deadline ), it had a copy of the hotel 's receipt which showed the person who used my card was " XXXX XXXX ''. I am XXXX XXXX, I have no children and no relatives by this name. My husband 's name is XXXX XXXX. I have called repeatedly since my account NOW shows that I owe a total of {$910.00} and they refuse to let me speak to anyone helpful in the fraud department. They keep saying they'll take my information and investigate further and I'll receive another letter from them. I am at my wits end. The person I spoke with today actually asked me if I had filed a Police Report. My card was never stolen, was never out of my possession, and I never claimed it was stolen. Why would I file a Police Report? Please help. I want to close this account and never do business with Citi again but I can't do that until this gets resolved. My fear is that they will allow additional charges to be charged to my credit card and hold me responsible.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (KY)

On XXXX XXXX. I went to XXXX and XXXX XXXX  on XXXX XXXX in XXXX, Ky. to use the ATM to get XXXX offer my prepaid American Express Bluebird card. The machine made noise like it was counting money out but never dispensed the XXXX dollars. I the checked my bluebird account online and they had subtracted the XXXX off of my account even though it did not give me any money. I have contacted the bank and they would not do anything until the got something from my financial institution. I then contacted Bluebird and they have hung up on me after waiting on hold several times, and say I have only 10 days to dispute the transaction in writing they provided with a link to a dispute form and then a link to send it to. I filled the form out and tried the link they sent me but it has no place to send it to I then called them again and they gave me an incorrect email to send it to I found another American Express email and sent it but they have not responded. This is the account I have my payroll check direct deposited on
Consumer complaint received 2022-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Windham Equity Company (MA)

I would like to file complaint against Auto Loan, XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, autouseautoloan.com I know I am past due to difficulty with making payments from being unemployed from Covid 19. I am trying to get caught up with my payments using my tax refund. I tried to access my account online to review added charges and amounts due as of today. I couldn't get into my account. It was stating that I was giving the wrong information. I contact the support email to find out why my login information was not working. They contacted me back quickly and told me they shut me out of my account and to call the office. I replied asking for a copy of my ledger for review and they have not responded ( email attached ). All I want is to review my account so I can work out my financial situation. I went through my documents for their loan terms and I don't have a copy of that with my purchase documents. I don't know if they are allowed to not show me all the charges and what is due. I have nothing to confirm the correct amount and or charges for what they tell me over the phone. I don't feel comfortable not knowing what they are telling is truthful or not. I have no other documents to give or know my loan or account number because they only have everything in the account I am locked out of.
Consumer complaint received 2020-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2022-03-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NE)

XX/XX/2022 Dear XXXX XXXX & Nelnet/Firstmark Executive Management : I am writing as an severely distressed XXXX borrower, after having contacted Firstmark Services and Nelnet with a plight to place my Firstmark held loans in a Natural Disaster Forbearance ( beginning on XX/XX/2022, and through XX/XX/2022 ) for the Nebraska Severe Storms, which affected my employment and was a FEMA Declared Major Disaster on XX/XX/2022. 

After speaking to several supervisors ( including XXXX on XX/XX/2022 ) and being promised assistance with getting this forbearance applied to my loans, as well as several promised follow up calls which never arrived, I phone in and emailed several more times to request direly needed assistance. Firstmark continues to promise senior management follow-up which never arrives via phone, and at this stage your company has caused me severe medical distress and the near need for hospitalization. 

As such, please direct someone in senior management for assistance in placing these loans, as previously promised, into a Natural Disaster Forbearance as related to the detailed effect such issues have had on my employment ( as I explained to several inept representatives, I am unable to provide an exact address due to the nature of my work in landscaping many of my covered areas were affected by said storms ). This matter remains exceedingly emergent at this point, as my loans continue to become part due, threatening my credit and financial status, which is egregiously unacceptable. 

Please note, that while it remains my hope to resolve this matter immediately at this level, should this not be honored, I will be immediately contacting my direct contact with XXXXXXXX XXXX XXXX XXXX, as well as potentially filing Civil Litigation against Firstmark Services for the many false promises, refusal of assistance for a declared disaster, and related medical and emotional distress. 

Thank you kindly in advance for your immediate and urgent attention to this matter, and I look forward to speaking today by end of business to resolve this matter.
Consumer complaint received 2022-02-28
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. (AL)

I submitting this complain myself because I was a victim of identity theft and some fraud accounts and inquiries are showing on my credit report that need to be removed. I submitted a letter and report to the credit people but they have not removed the accounts I requested its been more than 60 days
Consumer complaint received 2022-03-02
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: DISCOVER BANK (MA)

I filed a dispute last month and Discover card responded with a 2 page letter. Their letter was a giant lie. On page 2 they say that they will " continue to report the account to consumer reporting agencies as " disputed '' until I advise Discover to remove ''. As soon as the XXXX  closed the case they removed that dispute
Consumer complaint received 2022-03-02
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. (GA)

TO WHOM IT MY CONCERN, I'M ASKING FOR HELP AND WILL ATTACH ALL DOCUMENTS FOR THIS MATTER. I AM A VICTIM OF IDENTITY THEFT AND I HAVE TO CONSTANTLY TRY AND RECTIFY THE EFFE CTS AS ACCOUNTS, NAMES AND ADDRESSES THAT HAVE BEEN USED FRAUDULENTLY CONTINUES TO REPORT TO MY CREDIT REPORT. THE ACCOUNTS ARE IMPACT XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NAMES ARE XXXX XXXX, XXXX XXXX, XXXX XXXX AND ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. PLEASE SEE ALL DOCUMENTS ATTACHED. THESE ACCOUNTS ARE AFFECTING MY LIFE AND IS CAUSING ME AND MY FAMILY BIG ISSUES WITH NOT BEING ABLE TO MOVE AND LEAVING US WITHOUT TRANSPORTATION.
Consumer complaint received 2022-02-28
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. (AZ)

I dispute the information and the credit reporting agencies appear to do nothing but side with the company turning it in. I never even get to view the " proof '' they claim to have. For all I know, there isn't any and the Bureaus just accept it without actually checking the so-called proof.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2022-11-06
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. (GA)

In accordance with Fair Credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX I used Venmo to send my husband money so he can transfer it to savings. He tried depositing it into his account and it kept giving him problems. Venmo then proceeded to tell him to transfer the money in small increments so he did and said itll be deposited in 2-5 days or something like that. The next day we BOTH received emails saying our accounts have been frozen and we needed to send proof of identification! So we did. After some time they sent us an email saying our accounts have been permanently deactivated! The money was never transferred to my husbands account. I keep calling and emailing and they keep giving me the runaround! Nobody wants to explain why our accounts were closed! And they dont want to give us our money! I will be contacted a lawyer and news and everyone I have to for others to be aware of this! Its completely unfair. That money was for savings for a house purchase!!