davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC (AL)

Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XX/XX/2022 Account number XXXX Current creditor : XXXX Original Creditor : XXXX Original Creditor XXXX # XXXX Dispute Balance : {$500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 Account # XXXX Balance {$790.00} XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  MS XXXX XX/XX/2022 Account # N/A Balance {$1100.00} LAST reported : XX/XX/2022 I sent the credit bureaus letters asking to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15.U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cuss to believe that the information is inaccurate.
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (MO)

Flagship Credit Acceptance has now put themselves below the bar in expectations and how they handle matters.

Even though I have filed numerous complaints against them, the continue to violate FDCPA practices. In addition, even though my husband isn't on the loan paperwork or vehicle registration paperwork, they are demanding that he makes payment on the account.

In addition, they have failed to mail via USPS any Notice to Cure letters on the account, which is required in my state.

They have illegally put the my vehicle out for repossession, without following Missouri laws. 

In addition as another scare tactic, they have stated on two occasions that they have filed for XXXX on the vehicle even though they haven't. 

Flagship Credit Acceptance LLC has failed to follow proper protocol when handling this account. 

In addition Flagship Credit Acceptance has called my husbands phone number for four other people with accounts from Flagship and left nasty messages, such as the messages they've left me on my account.
Consumer complaint received 2021-09-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$170.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$760.00} XXXXBalance {$1200.00}
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rosebud Economic Development Corporation (NV)

I signed an agreement that I would be able to manually make the payments from an account of my choice. I also confirmed this with a Big Star Credit agent on their recorded line. I was assured that payments wouldn't deduct from my account automatically since I checked the box on my contract that said I would manually make the payments ( found at bottom of page 6/ top of page 7 in the attached agreement ). Despite my contractual agreement acknowledging that payments would not automatically deduct, a payment was charged to the account I specifically asked for it to not be charged to. This is misrepresentation and I would have never agreed to the terms of the loan.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (TX)

THE BUREAUS at XXXX XXXX XXXX # XXXX, XXXX, IL XXXX has been sending me collections notices in the amount of {$6600.00} the collection has been reported as past due. I DO NOT know this company. I have never done any business with this company. This company DOES NOT have a contract with my signature.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Carvana Group, LLC (FL)

On XX/XX/XXXX carvana received a transfer Cash Down Payment {$26000.00} Total Down Payment {$26000.00} Balance Due {$0.00} TOTAL BALANCE DUE {$0.00} for a XXXX XXXX XXXX XXXX XXXX # XXXX DocuSign Envelope ID : XXXX I provided bank statements to verify account, and also the transfer, Carvana has choosen to keep my currency they received and the vehicle they have no evidence of a refund initiated, as account is restricted to mostly transfers, and investments, I also had micro deposits I did not authorize remove from my account, I choose to keep my account information by private as possible providing statements, Carvana claims they need more information, I have provided all the necessary information I plan to provide for this transaction and is by Law verified, this theft/scam is in fill violation of my rights and because of amounts hardly ever receive a refund.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UMPQUA HOLDINGS CORPORATION (ID)

Saturday XXXX XXXX, A recent payment of {$2400.00} on your Mastercard account was returned unpaid by UMPQUA BANK I've been at umpqua bank maybe 3 years ago, and stayed with them for 1 year. This payment was made to pay off my credit card, which would be in year XXXX, and just on the XXXX of XXXX I get a notification from my credit card company that they NEVER received the payment of {$2400.00}! HOW ABSURD! Now my credit score has tanked because of this return! Not only I have paid on time years ago, but now I have to REPAY this amount! How insane!
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (TX)

PNC Bank moved my loan into a different department when I was struggling through the year to pay ( due to medical reasons ( XXXX ), an environment change, and becoming a newly single parent ). They moved my loan to what they call a " chargeback/repossession phase ) Where they give your loan to the repossession department to handle. You have to pay every 30 days on time or your title belongs to them and they have the right to sell and then stick you for what they do not sell it for. I did not know that they closed my account and placed it on my credit report. My account is very much so still open as they collect money Monthly ( just recently double charged me and OWE me a full car note back, whilst dragging their feet ) and I do not owe the amount they CLOSED the account as ( They left it at {$30000.00}, I owe less than {$28000.00} ) they do not report accurately and their reasoning is because until I have paid them off fully, they do NOT report it, because it doesn't exist within THEIR company. Please help me unearth these less than decent business procedures.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (WA)

When calling in to Navy Federal Credit Union for the last two months customer service representatives have been unable to locate accounts and asked me if I am sure I had credit cards with Navy Federal Credit Union, resulting in me able unable to make payments. This is the only payment option available due to the current restrictions on account. When calling in to Navy Federal, Credit Card accounts are not linked to SSN but they report credit cards to Credit Bureaus utilizing SSN.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (AL)

My credit report has an account for Hunter Warfield and it is listed as a closed account. It is also reporting as being paid late this month which lowers my score. I have disputed it and have spoken to the customer service representative concerning this. The agent does not seem to understand English well and continues to tell me that it will remain on my report for 7 years. I continually tried to explain that the report is inaccurate but nothing ever happens.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Over the last 1 year or so I XXXX XXXX XXXX have submitted over 6 attempts ( Which I have proof ) to get the bureaus to get this Illegal account off my credit report which has been illegally reporting on my credit report. The most recent request sent by certified mail have been on XX/XX/2021, XX/XX/2021 and XX/XX/2021. Each one of these request no response has been given. They have failed to provide me per the Fair Credit Reporting Act, Section 609l ( 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. I have reached out to 3rd party verifiers that bureaus do business with and none of them claim that this account is reporting with my correct info on it. The information they have on file is incorrect and for the past year they have blatant refused to remove the bankruptcy off my account or provide me documentation that they have the verifies that I am the correct account holder of this public record. This has now caused me to lose out on a business opportunity that would have helped out my family. 




Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
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. (TN)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. ( These are all account numbers stated on XXXX  and they read : XXXX XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX XXXX XXXX account number : XXXX & XXXX XXXX account number : XXXX 15 USC 1681 section 602 A 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 accounts without my written instructions.

15 U.S.C 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.
Consumer complaint received 2024-03-13
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 MY CREDIT REPORT, APPEARS THESE HARD INQUIRIES THAT I DO NOT RECOGNIZE FROM TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year> -XXXX XXXX XXXX XX/XX/year> XXXX REMOVE THESE HARD INQUIRIES
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (FL)

I recently received a letter from XXXX XXXX  stating that I owe a debt in the amount of {$390.00} for account # XXXX. Prior to this letter I never received an invoice from them. That would be because I did not have service from them. They followed that up with a letter from a collection company called EOS CCA stating that I owe {$260.00} for EOS account # XXXX and XXXX XXXX account XXXX. I do not owe either of these companies any debt and they should cease making threats to illegally extort money from me.
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ALLY FINANCIAL INC. (CA)

I got an auto loan with Ally Financial Bank, the vehicle in question with the loan is a lemon vehicle. I tried many times addressing that to them. The vehicle finally broke down where I could not afford the repairs. I called about 8 months ago from today XXXX  They still have not repossessed the vehicle and continue to give me problems.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc. (GA)

I am requesting verification of information for my account. 
Please provide the following details for each credit bureau ( XXXX-XXXX-XXXX  ) 1. The Account Date Opened 2. The Final and Last date account was Updated by your company 3.The Date last payment made on account 4. The Date account sold and company sold to 5. The dates you responded to any investigation verification for any of the 3 credit bureaus 6. The credit details and information you reported and account details you reported on those dates 7. The amount of 30-60-90-120 payments reported on this account I am requesting this information for XXXX   XXXX  and XXXX
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (FL)

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 XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (NY)

My account was opened under a promotion whereby if I funded it at {$1000.00} within 90 days I would receive {$200.00}. I met the promotional terms and my bonus was due on XX/XX/XXXX. I followed up with customer service who advised : Taking a look into your investment account, I do see you funded the account on XX/XX/XXXX. We do apologize for the delay with getting the promo applied to your investment account. I have submitted a request to the appropriate department... 

I followed up a 2nd time and Axos advised they would not be paying the bonus.
Consumer complaint received 2021-09-27
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. (FL)

Upon looking at my consumer reports I have some inquiries not authorized! Transunion has failed to remove them. I have attached a FTC report and these inquires need to be removed at once!!! How are you a XXXX dollar company and you dont have a fax number so that I can send the FTC report to. Such a lousy company! Remove these inquires immediately.
Consumer complaint received 2023-11-30
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. (NJ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-12
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. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX