davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALCHRO INC. (FL)

I informed this agency I have no contract with them or unaware of this debt. I received no notifications of debt or right to dispute this debt. I received an alert of a collection and immediately contacted this agency disputing this debt or that I have no legal binding documents with this collection agency nor have permission or instructions to report to the credit bureau Agency : First Federal credit XXXXXXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : First Federal Credit # XXXX 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 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 cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC (SC)

We purchased a used XXXX XXXXXXXX XXXX from Carvana ( VIN # XXXX ) on XXXX for {$16000.00}. We secured our own outside financing for the loan and made a {$1000.00} down payment to Carvana. Fifteen minutes after purchasing the car we had a mechanic inspect it and the entire undercarriage of the car was rusted and would likely fall apart within the next 1 to 2 years so we immediately returned the car on XXXX. Carvana says it can take 3 to 5 days for us to get our refund. Carvana cashed our {$1000.00} down payment check on XXXX. Carvana relisted the XXXX  XXXX XXXX on their website for sale on XXXX and there is a new purchase in progress for the car on XXXX from another consumer. As of now on XXXX Carvana still has not refunded our {$1000.00} down payment and they have not refunded the rest of the {$15000.00} loan to our bank ( XXXX XXXX XXXX XXXX ) so that they can close out the car loan. Why are businesses like Carvana able to turn around and sell a lemon vehicle to another unsuspecting consumer before they have refunded the previous consumer?
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : $ XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. (NC)

.Please dispute the following items on my credit report. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Acct : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX TransUnion : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-03-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (HI)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX HI XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I HATE TO BOTHER CFPB BUT AFTER SEVERAL FAILED ATTEMPTS THIS INCORRECT PERSONAL INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT FILE. 

ALL FORMER NAMES ARE INCORRECT. MY NAME IS XXXX XXXX XXXX ; EXACTLY AS IT APPEARS ON MY DRIVERS LIC. ALL OTHER VARIATIONS NEED TO BE REMOVED. ALL OTHER PREVIOUS NAMES NEED TO BE REMOVED.
Consumer complaint received 2019-07-08
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. (CA)

XXXX XXXX is wrongfully reporting a credit card debt as current and late, when the debt has been charged-off and paid in full via settlement via XXXX XXXX XXXX a 3rd party collection agency by which I was promised that the debt would be deleted, thereby damaging my credit report on all three bureaus with inconsistent information and duplicate reporting. On the one hand this debt charged off on or about XX/XX/XXXX and forward to XXXX XXXX of which they began to report the debt as a collection debt. On the other hand the though the debt was charged off and sold to a collection agency the credit union continued to report the debt as open and late continuously for more than three ( 3 ) years. Upon my best efforts to reach out the credit union to update reporting and/or settle debt I was told that the debt was sold and off their books and that I should just dispute the incorrect reporting and/or settle discuss settlement with XXXX XXXX. On or about XX/XX/XXXX I began to review my report in an effort to clean up my report because to my dismay I was being turned down for many job opportunities for my credit. In good faith I borrowed funds to begin paying of old debt in hopes of clearing my credit so that I take advantage of potential missed jobs. On or about XX/XX/XXXX I reached out to XXXX to settle two accounts a credit card with acct # XXXX ( {$980.00} ) and charge off auto loan with acct # XXXX ( {$10000.00} ) both of which were charged off accounts of XXXX XXXX XXXX. Though both debts were being incorrectly reported with three line items creating triple reporting for the same debt as follows : ( 1 )  open collections with XXXX XXXX, ( 2 ) Open Collections +120 days late and ( 3 ) charge off ( XXXX ) with XXXX XXXX, I was told in order for the debts to be deleted and my report to be updated correctly I would have to pay the entire amount owed plus interest and that they would then inform the credit union directly. As of XX/XX/XXXX all debts have been paid to XXXX XXXX and to this day XX/XX/XXXX the credit card debt ( {$980.00} ) charge off still remains on my credit report and is being reported current late and charge off by the credit union.  Being that this incorrect report has been going on by the credit union for more than three years and the debts has been paid in full I would humbly request that both line items ( 1 ) the charge off debt and ( 2 ) the  current 120 days late be permanently removed completely from credit file.
Consumer complaint received 2019-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (IL)

Went to court on XX/XX/2019. Because of being sued, by Midland funding LLC. This company brought an old account from XXXX XXXX. {$2800.00}. Will be returning to court on XX/XX/2019. Midland funding LLC seeking a judgment me.
Consumer complaint received 2019-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I received a letter from XXXX XXXX XXXX for a debt and account with XXXX XXXX issued by XXXX XXXX XXXX XXXX dba XXXX XXXX ( had received something from XXXX XXXX for same false item a month ago! ). 

This account is not mine and I have idea what this is. I was a victim of identity theft back in 2014 but I am unsure if this account is from that issue. I want them at XXXX XXXX XXXX to close this right away please. I have sent XXXX XXXX XXXX a letter to close this as well which I have attached. Thank you for the help and assistance on this frustrating manner.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (FL)

There is too much unacquires on my credit report. Fraud from following companies 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (FL)

There is too much unacquires on my credit report. Fraud from following companies XXXX. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Tel # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.
Consumer complaint received 2019-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (NY)

I received a letter from Credit Control LLC for a debt and account with center point issued by XXXX XXXX XXXX XXXX dba XXXX XXXX ( had received something from XXXX XXXX for same false item a month ago! ). 

This account is not mine and I have idea what this is. I was a victim of identity theft back in XX/XX/2014 but I am unsure if this account is from that issue. I want them at Credit Control LLC to close this right away please. I have sent Credit Control LLC a letter to close this as well which I have attached. Thank you for the help and assistance on this frustrating manner.
Consumer complaint received 2019-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

In the month of XXXX I saw early on that XXXX XXXX had withdrawn two payments for my account instead of one, which caused my mortgage payment to go NSF. I called my mortgage service provider around the XX/XX/XXXX-XX/XX/XXXX to notify them of the issue. they said it wasn't a big deal and to just submit the payment online again and it would be fine. I submitted again and the funds had not been cleared yet by my bank which resulted in ANOTHER NSF payment to the mortgage company. Post that payment I made two others that cleared my account but were returned a few days later. When I called they said my account had been placed as certified funds meaning the will only accept XXXX XXXX, cashiers check or Money orders. My bank if mostly an online bank and I am unable to go them and get a cashiers check. XXXX XXXX has upper limits on transactions and I would be forced to send them two transactions with fees of {$50.00} each. And given that the amount of each would not satisfy the amount owed they would more than likely return those as well.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NV)

On XX/XX/XXXX I received a text message that my CHIME BANK ACCOUNT phone number had been changed to a number I do not recognize. I have had CHIME since 2018 and have never, ever changed my information. I spent 45 minutes attempting to get back into my account, which I was able to do with my email address only. 

Once I was in my account, I saw ALL OF MY FUNDS had been transferred fraudulently to a different CHIME account. ALL OF MY MONEY. I called Chime immediately and filed a dispute. They told me that it can take 45 business days and that I'm eligible for a provisional credit but not for TEN BUSINESS DAYS. This is all the money I have in the world and I am unable to feed my family or pay my bills. They will not do anything beyond this to help me. I have filed a complaint with the XXXX as well as a police report as they can see the EXACT chime account it went into along with the person 's name and ACCURATE information. 

They dont seem to care that I am an actual person and this will deeply affect my life and my ability to care for my family. 

I NEED MY MONEY BACK! THIS IS MY LIFE!
Consumer complaint received 2023-02-07
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: Consumer Portfolio Services, Inc. (NC)

I recently checked my credit report and saw that CONSUMER PORTFOLIO XXXX located at XXXX XXXX XXXX XXXX XXXX, CAXXXX ran my credit and that inquiry brought my credit report down and I am now concerned that my identity may have been stolen.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/year>. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. I also was impacted by the XXXX data breach and my data was breached. I believe it got into the wrong hands. Thanks for your help with this matter.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (TX)

Im the beginning of XXXX I have removed 3 accounts from my collections and disputed them through XXXX. I also updated information on the previous mentioned platform as well as transunion. These accounts have not been removed and updated. Negatives are still showing on reports and not deleted as promised.
Consumer complaint received 2023-01-20
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: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems popped up on my report on XXXX. I reached out to the company as I did not recognize this. I called and the woman I spoke to asked basic information. My name, phone number, etc. She then asked if I had any other names, said yes and gave my maiden name. She put me on hold and came back on, said she couldn't find anything. I said well it's on my credit report. She said, I understand and I even asked my supervisor to look and neither of us could find anything. It must be an error on your credit report. I told her thank you and she said to reach out to the credit bureaus. 

XXXX XXXX popped up on XXXX. Again not something I recognize and I immediately called XXXX and requested a fraud alert as this is the second item to pop up in less than 2 weeks. I was told an alert would be put on on three credit bureaus and I was transferred to the Fraud Dept. 

Was advised to complete a report on the FTC site.
Consumer complaint received 2022-05-22
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. (AL)

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account 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: 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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.