davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TD BANK US HOLDING COMPANY (CA)

Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later, on XX/XX/XXXX, I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX  on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX  and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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. 

XXXX XXXX  : # XXXX, XXXX  XXXX, XXXX Bank : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2021-07-29
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: SYNCHRONY FINANCIAL (CA)

I opened a credit card through you guys and got approved for a limit of {$5000.00} and I couldnt have used any more than XXXX and Ive been getting emails on emails on saying my payments are late and when I checked I seen it was overdrawn past the XXXX and I had lost my card a while back due to the fact that I lost my wallet and didnt think about my credit card until I started to add up the pieces and then checked the statements and saw soooooo many different transactions that were not done on my behalf and they were all made within the same area that Im located in and Im stressing out due to the fact that I still should have had like XXXX available credit and I have a whopping XXXX $ overdrawn on the account and I wan na see how you guys may be able to assist me on getting my funds back or maybe adding a higher limit? but I do wan na get this taken care of as soon as possible cuz I reallyyyyyyy could use those funds to make my car payment which Im currently late on my payment
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX  and XXXX. Thank you!
Consumer complaint received 2021-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (TN)

Initially I complained of ATG Credit placing a collection on my reports before the allowed 30 days were up, in which I requested a debt validation letter which was mailed to them on XX/XX/XXXX. ATG responded that they didnt receive the debt validation request but that they would get me a copy of the validated debt. This was on XX/XX/XXXX. It is now XX/XX/XXXX and I still dont have any mail from them showing how the debt is in fact valid. Yet, they are back to reporting to the credit bureaus. How am I supposed to be comfortable paying a debt, in which I have NO proof that the debt is actually mine? ATG Credit refuses to mail proof yet they keep causing a ding to my credit score by improperly reporting. This isnt fair and I need to see PROOF of the debt, in which they said they would send. Still nothing, yet my credit scores are suffering due to this.
Consumer complaint received 2021-08-14
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: The Outsource Group, Inc (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (FL)

Aldous & Associates P.L.L.C.

Account Number XXXX I purchased a gym membership with XXXX XXXX XXXX on a monthly pay period on XX/XX/2021. 
After 1 paid month of the membership I replaced the credit card I had on file and therefore stopped making payments from there on and planned not to update the credit card on file as I did not need the membership any longer. 
After failing to use the keychain on file with my membership due to declined access, I assumed that my membership with the club was subsequently terminated and I have not used the membership since XXXX of this year. 
I was not made aware that I would have to still pay on a membership I had and still have no access to nor the failed transactions attempted upon my former credit card and therefore should not be charged for it or the accrued debt as well.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX Transunion Remove the following accuracies found on my credit report : Remove XXXX XXXX XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX XXXX, Account XXXX due to true identity fraud. 


The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.
Consumer complaint received 2021-08-13
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)

As a citizen of this country, it is unfair and predatory to be held XXXX by this reporting system. Throughout this time, laws continue to break due to malpractice and the severity of not taking my situation seriously. This issue has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-08-13
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. (OH)

Isent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This letter is about the following accounts : XXXX XXXX : # XXXX, which you claim, I owe [ {$1700.00} or my account was charged off {$1700.00} ], XXXX XXXX  XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Kindly remove this account from my records as it does not belong to me. I am distressed that it has appeared on my credit report, and I urge the business to rectify this promptly. I am disappointed by the inconvenience caused.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company has NO permission to report ANYTHING using using my info pursuant to 15 USC 1681 4
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed a 30-day late payment to my credit report during Covid 19 Unfortunately with the stay-at-home orders, my business was shut down most of 2020. When I called and spoke to the XXXX customer service person regarding my payment for XX/XX/2020 being paid late, I was told that as soon as I could bring my account up current that they would remove any late payment history from my account, as long as it was within the time frame we set, which was no more than 30 days. My account was paid late for the month of XX/XX/2020 however, was brought current by XX/XX/2020, within the 30-day time frame we had agreed upon. Now after the fact, XXXX is reporting a late payment still for XX/XX/2020. I have tried contacting them to have this removed as well as filed a CFPB previously since I could not get a response back by mail. The response that I received from the cfpb complaint from XXXX was that they will not remove the late pay : '' XXXX did not cause the error of reporting status '' There was no acknowledgement of anything that should have been taken into consideration with my account. This is not a normal practice for me, I am a business owner and pride myself on paying my debts on time with a good history. With the nation trying to get back on track financially, one would think that a large corporation would be much more willing to help a consumer with removing one late payment off of the credit history especially when the consumer has a XXXX balance and made the account current as stated within 30 days. Very disappointed
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (CA)

I am a victim of ID theft. 
Thief purchased three handsets and subscribed to 6 phone lines using my name. 
I promptly contacted XXXX and filed a XXXX XXXX police report about the issue. 
On XX/XX/2021 I sent all documentation in my possession to XXXX at the XXXX XXXX replied : " This has been deemed relationship fraud, which means we will not be able to handle this without a police report naming a suspect. '' Suspect has been arrested by the XXXX Police department. On XX/XX/2021 I forwarded XXXX the police report supplement that names the suspect as requested by the XXXX representative. 
However XXXX placed the account for collection and I received a letter from a collection agency.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute a correcting my names on all 3 credit bureaus. I asked them to remove all these aliases off my report because it is damaging and unfair. And has not been fixed.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DOB XXXX SS XXXX I have a few addresses that are not correctly showing on my credit file that needs to be updated. My only address isXXXX XXXX XXXX XXXX IL, XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX.
Consumer complaint received 2023-03-14
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. (TX)

My name is XXXX 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 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts : XXXX XXXX XXXX XXXX XXXXXXXX {$430.00}, XXXX XXXX XXXXXXXX {$660.00}, XXXX XXXX XXXX, XXXX XXXX XXXX {$480.00}, XXXX XXXX XXXX XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXXXXXX XXXX {$2900.00}, XXXXXXXX XXXX XXXXXXXX XXXX {$1500.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXX {$570.00}, XXXX XXXX XXXX $ XXXXThird-Party Collection Agency is unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtor 's account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

In XXXX my card was stolen and all th money was used.i notified the company as soon as I found out and they started the dispute and ultimately gave me a provision credit but reversed it a couple of weeks later. So the negative balance means that my weekly unemployment was feeding this over {$4000.00} balance so I lost twice the money. They said there was conflicting evidence and that was that the XXXX  who stole it went to some of the same stores I shop at but the thing is we live in a very small town and these stores are our only options so everyone here goes to the same places. The other charges were places I've never been shopping at. Fast forward to XXXX and I notice more charges I did not make and they are all online purchases I report them and the women says she started the dispute but never did. So about XXXX more was stolen from me and they wont fix this now. I filed another dispute but it was denied. My family has suffered enough now we are losing our home. I need help.
Consumer complaint received 2021-08-14
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: Nelnet, Inc. (MN)

On XXXX I 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 Im being taken advantage of and being ignored. After taking some time to do research on this matter, I concluded 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 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.