davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I have been studying the Uniform Commercial Code, United States Code, and Code of Federal Regulations, as well as the Negotiable Instrument Act and the Bill of Exchange Acts created for the education and protection of the consumer, and I realized while studying that the instrument that was issued to me at the dealership was actually a self-liquidating asset. Upon realization of this, I tendered to Ally Financial the instrument payable to their order as full satisfaction of the claim. I was told that the instrument had no value, that it was simply a promissory note, and that if I did not pay out of pocket and continued with my " fraudulent activities, '' charges would be pressed against me. Even before I realized what the promissory note was, I learned what a bill of exchange was and that the bills that were being issued to me via mail were called a due bill that could be converted into a negotiable instrument as long as it met the conditions provided in Section 3-104 of the UCC. I have tendered many negotiable instruments and letters explaining what I was doing, hoping to satisfy the claim against me, only to receive in return letters saying that they did not accept them and had no idea what I was trying to do. I have been told that the UCC does not apply to them many times when it governs every transaction between the consumer and " creditor '' and can be found in the Texas Business and Commerce Code. Because of their refusal to seek out the same information that I found online or even ask questions, my account has been closed, and they are seeking to repossess my vehicle.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NC)

MEDICAL DATA SYSTEMS D/B/A MEDICAL REVENUE SERVICE XXXX, FL XXXX ( XXXX ) XXXX 3 accounts 1. {$75.00} 2. {$75.00} 3. {$260.00} I called advised these were removed from my credit report because fraud identity and months later they have not been removed from my credit report which is effective on my score
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

Promotion was for XXXX XXXX XXXX points for adding an additional user to the card within 30 days of account approval and the additional user making a purchase within 90 days of account approval. 

Account was approved XX/XX/2019. 
Call to add additional user was on XX/XX/2019 ( have call logs to prove this ). This is 29 days after account was opened and within the 30 day requirement. 
Purchase by additional user was made on XX/XX/2019, within the 90 day requirement. Have statements to prove this, and Barclays should have access to this. 

Called several times to request points, was told that either of those two requirements were not met. Barclay 's claims additional user was added XX/XX/2019, after the 30 day requirement. I am providing call logs proving I called Barclays to add the additional user on XX/XX/2019.
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2018-05-01
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. (WI)

XXXX XXXX XXXX is currently going through bankruptcy. The process has been very slow ( they filed on XX/XX/2016 ). No funds from the claim have been disbursed, yet the college loan companies continue to report to the bureaus. In regards to my own loans on my own account, there have been both federal and criminal offenses committed by XXXX XXXX XXXX, including threats, tampering with interest rates, predatory loan tactics and more. These loans are invalid. The college loan company in charge of my account and the credit bureaus are in collusion with XXXX XXXX XXXX and therefore are ignoring these offenses. THIS COMPLAINT IS NOT TO BE SENT TO THE COLLEGE LOAN COMPANY IN QUESTION WITHOUT MY AUTHORIZATION! This complaint should be sent to Federal Student Aid, the U.S Department of Education, the U.S. Inspector General 's Office, MA State Attorney General XXXX XXXX, the predatory loan department of XXXX XXXX and XXXX XXXX XXXX directly. NO OTHER ENTITY should receive this information without consulting me first and receiving my authorization. NONE OF MY PRIVATE INFORMATION should be given without my consent. This includes, any of my contact numbers, my address, my social security number, etc.
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
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/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a loyal customer with Capital One for a total of 7 years now. 

In the past year I tried increasing my credit limit both over the phone and online I have call several times around 30 or 40 times in total in the past year and this year so far explaining to customer service reps and manager that I have perfect on time payment history as well as low utilization on my account and that Capital One has denied my request over and over again saying that the account is not eligible for a credit line increase. 
It has been a year since there has been a credit line increase in the account. 

I want it to be taking into consideration not only that I have been a loyal customer with Capital One but also that I have perfect on time history and low utilization in the account and I wish more than anything as a loyal paying customer to received my credit line increase.
Consumer complaint received 2022-06-16
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: CLGF Holdco 1, LLC (VA)

I saw these companies have hard inquiries on my report that I did not apply for my identity was used to apply for credit the name of the companies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX
Consumer complaint received 2021-02-12
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: Experian Information Solutions Inc. (MI)

I went to get an auto loan in XX/XX/XXXX & they questioned me about an unpaid, maxed out credit card for {$10000.00}. I had no idea what was going on. I was then served papers to appear in court for not paying the card approx. XXXX XXXX. I had no idea of what kind of card this was to even contact the company. I told this to the dept collectors & they said they would list it as fraud. I just had a recent credit report on XX/XX/XXXX & saw that the fraudulent card debt was still listed, which is destroying my credit.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MA)

I filed a previous complaint against GM Financial for this exact same matter and it was closed by the CFPB. Complaint # XXXX I don't understand how a company like GM Financial is allowed to get off the hook for falsely reporting information. As of this morning, XX/XX/XXXX, my credit report now reports my last payment as being in XX/XX/2016 and reports a balance of {$0.00}. However, I recently paid my bill and according to GM Financial I still owe them in excess of {$9000.00}. 

This is fraud, plain and simple, and this is affecting my credit. 

GM Financial is being incompetent and I believe is intentionally being disruptive and destroying people 's credit. They have refused to discuss the matter during multiple phone calls to the company. 

I will be speaking with an attorney and seeking financial restitution immediately if this matter is not resolved.
Consumer complaint received 2022-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I saw these companies have hard inquiries on my report that I did not apply for my identity was used to apply for credit the name of the companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX CAPITAL ONE Inquiry : XXXX. XXXX, XXXX  + XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Consumer complaint received 2022-08-26
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. (NV)

Equifax has assumed the role in assembling and evaluating consumer credit, it is their duty to ensure that a consumer 's right to privacy is respected. It is imperative that a consumer reporting agency adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
With the recent data breach and inaccurate scores being reported by Equifax, I am demanding the deletion of my credit file with your company immediately.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp (OH)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, XXXX OH XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2022-06-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

We have had a Certificate of Deposit with USAA for multiple years. After it renewed earlier this year, the CD disappeared from our account statements. I requested USAA advise us as to the status and location of the funds and that they remit them in full to us but have not received a response. It appears USAA has stolen the funds.
Consumer complaint received 2020-07-28
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. (MD)

This account is not mine and I have already provided information to the credit bureaus in regards to this account. I have provided as much information that I have and the creditor has been given ample time to investigate. The request for more information that was already given is a delay tactic and I demand this be removed from my report. This fraudulent account is keeping me from being able to buy a home and causing mental and emotional harm. There is no account information as I never had an account with this company. i am left no choice but to take legal action if this account is not removed from my report. A request for information that was already sent via certified mail is not verification or validation of debt. 

Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX XXXX from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Unauthorized charges were made to my credit card. They were reversed but charges remained that should have been reversed ie late charges and interest. The company has called me 4times and I have explained this to them and told them I would file suit if they turned this inacurate information into the credit bureau. The card has not been used by me in over 2 years. There is apparently still a balance due but it is not owed by me yet they turned it in to the credit bureaus.
Consumer complaint received 2022-07-22
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX
Consumer complaint received 2020-07-27
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. (NY)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

This concerns GM Financial. They are showing 30 day late payment on two bureaus and an incorrect balance on 2 bureaus. I paid my XX/XX/XXXX payment which was due XX/XX/XXXX on XX/XX/XXXX which was one day late, not 30 days late. They reported to XXXX  that I was on time. They reported to XXXX  and XXXX XXXX that I was 30 days late in XX/XX/XXXX. I caught the account up in XX/XX/XXXX and can not have them showing 30 days late when i was not. Also, XXXX  and XXXX   show a balance of {$17000.00} which is incorrect and XXXX shows a balance of {$13000.00} which is correct. I made 4 payments in XX/XX/XXXX and XX/XX/XXXX to catch up. GM Financial told me that they had a system update in XX/XX/XXXX and could not report until XX/XX/XXXX. That was 4 months of non-reporting and when they did report, they reported something inaccurate to each bureau : either the balance or a 30 day late payment. I most recently spoke with XXXX today ( XX/XX/XXXX ). They tell me they reported and can not correct until the XX/XX/XXXX report. This is hurting my credit score, increasing interest amounts on anything I want to buy on credit and a low score could impact a job offer. Please assist me in solving this issue.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XX/XX/2020 XXXX XXXX reported fraudulent information on my credit filed. The amount is {$940.00} I do not have a contract with this company and never have. The account was deleted XX/XX/2020 and has been reinserted without my knowledge or verification of debt. XXXX XXXX  has broken the FCRA law by reinserting fraudulent debt on my credit file.
Consumer complaint received 2020-07-27
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. (TX)

XX/XX/2020 XXXX XXXX  reported fraudulent information on my credit filed. The amount is {$940.00} I do not have a contract with this company and never have. The account was deleted XX/XX/2020 and has been reinserted without my knowledge or verification of debt. XXXX XXXX  has broken the FCRA law by reinserting fraudulent debt on my credit file.
Consumer complaint received 2020-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Thank you for taking the time to read the complaint. After reviewing all credit reports XXXX XXXX placed a collection on the credit report from XXXX. I am requesting not a bill, however a signature to validate and possible contract.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (TN)

I applied to XXXX for a credit card since they were offering {$5.00} off my bill when I had the card. Evidently the card is issued thru XXXX. The majority of my cards are with XXXX XXXX. I got a letter from this " Sagestream LLC ; evidently another obscure credit reporting agency, that my FICO score was XXXX and I was denied a credit card thru XXXX  because of Sagestream. 

I downloaded 6 separate scores from Annual Credit Report ; my scores ... XXXX, XXXX ; XXXX ; my Auto score XXXX ; my bankcard score XXXX and my mortgage lending score XXXX. They're not the best, but they're not the worse either. All were download today XX/XX/2020 at XXXX this morning. 

I do not want this false, unwarranted, misleading information leading to more issues in my life. I had problems 6 years ago, my credit is pristine now. I pay my bills the minute they arrive in my mailbox or my inbox. I just got a new car on Saturday, I don't think they would of let me drive off with a credit score of XXXX. 

I thank you for anything you can do to stop this from ruining me.