davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I'm a natural person.I 'm an human being. I have a right under 15 USC1681. XXXX is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC1681. I have a right to.privacy and i.did.not.give XXXX written permission to furnish these accts. Portfolio Recovery Associates acct # XXXX in the amount of XXXX. XXXX XXXX XXXX is the seller..
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSWORLD SYSTEMS INC (VA)

I have never been to XXXX in my life and I have a {$250.00} collection that has been issued to me from a XXXX XXXXXXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Hi On Monday, XX/XX/XXXX I tried to get a service from website called XXXX, in order to get their payment plan they need a credit check from Equifax. 
I got an error from them that they cant obtain my credit report from Equifax, I have called Equifax and based on what they said they dont have my information on their file. They asked me to send them a copy of my SSN to their fax or their mailing address. I have sent them both to their FAX number and their mailing address, and I have proof that they have received them both. 
today Monday XX/XX/XXXX, I have called them many times and they dont know what is going on they tell me they haven't received my documents. 
then today they told me to check with my company that i work with, I did, they informed me they report all my correct information to IRS. so problem is from the credit report company. 
I dont know what is going on but i need a copy of my credit report from EQUIFAX, these are all despite the fact that i can easily and simply take them from FICO and XXXX, its just this company website that i need to use only can verify by equifax,.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Sir My Credit union XXXXXX/XX/XXXX ) sent a Payment to Capital 1 bank in error. It was supposed to go to a second card at Capital 1. Now I have a XXXX Dollar+ CREDIT Balance XX/XX/XXXX Card and an Overdue payment on Second Card. Today XXXX XX/XX/2021 ) I called Capital 1 and requested credit payment be transferred to the second due card. They said we cant due that! I said twill XXXX take to get a checkhat I have done that before and Its CLEARED funds. So The lady suggested that I get a refund issued. I asked how long will it take to get it, She said 10 days XXXX Business days ). WE CAN PUT A MAN ON THE MOON IN LESS TIME!!!!!!!!!!!. In the Mean time I cant go out and transfer funds at my bank due to the fact that I am a high risk Person and care giver for a XXXX year old parent, also high risk. This leaves me over due and subject to late fee and reporting to Credit Bureaus. I Don't have the luxury to make a payment while XXXX Dollar payment is tied up, This is DECEPTIVE and out right FRAUD on the part of the bank to charge and collect these late fees ( Also Profitable ). This would not have happened if it wasnt for their XXXX site that I haven't been able to get on for a YEAR. This has happened several times before in the last couple of years,
Consumer complaint received 2023-03-03
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-08
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. (GA)

My name is XXXX XXXX XXXX, XXXX  I am sending this request myself XXXX  address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX G Inquiry Date XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XXXX ; XXXX  XXXX Inquiry XXXX XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Experian, XXXX, and XXXX are reporting a balance that have been paid and I do not owe. XXXX and XXXX XXXX XXXX XXXX, debts have been paid and they continue to report a balance.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DataMax Corporation (NC)

I've sent a debt validation letter to this company and haven't received anything in return. This was over 45 days ago. I do not know this debt and would like to see a signed copy of the lease/contract binding me to this debt. If this company is unable to provide this, I'm requesting it be deleted ASAP.
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (MI)

on XX/XX/XXXX I tried to get pre qualified through Affirm for flights and noticed they had me blacklisted and said I had a charge off from an unpaid balance from XX/XX/XXXX. I called them because they violated the FDCPA by not " Speak with you in person, by telephone, Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered or send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. '' I called and recorded the conversation and the rep acknowledged that they tried to send a notification through the app but said it didn't go through. I escalated to a supervisor as I knew this was not factual. When I informed them it was recorded, XXXX ( supervisor ) pivoted and said that they sent sms and emails too but they were " blocked '' I checked my preferences on the app and discovered I was still enrolled for all communications from them so he lied again. He said he would escalated and I informed him I would report this to the CFPC, FCC and find a lawyer for deprivation of civil rights 18 U.S.C. 242, 42 U.S. Code 1983. 

The phone recording cant fit in the uploads but I can always put it in a shared folder.
Consumer complaint received 2022-03-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have some unauthorized inquiries on my credit reports. These inquiries are on Transunion, XXXX and XXXX. I sent in disputing the inquiries over 30 days ago. I found out my name, social security number, drivers license and email address was found on the dark web by the credit monitoring company I use. So on Saturday XX/XX/2022 I went and made a police report.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My credit score was dropped to a very poor level when I paid off my XXXX XXXX account with no bad remarks on XX/XX/2018 and restarted the same account later but Equifax, and XXXX reported that it as a credit debt to pay off the account balance but still they committed fraud contradicting their own standards because the account was reopened in the same month with a new balance. They are revolving around businesses that I own that are committing this fraud daily. I own the XXXX XXXX, XXXX, XXXX XXXX  markets. I have been attacked by employees and discredited from my large income. Credit monitoring companies use my office business resources to hack a credit score monitoring system to steal my businesses in this up rising. XXXX are involved. I need my credit to get out of this ground zero where respectable home brand names businesses are thrived from me.
Consumer complaint received 2019-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX, I traded in my XXXX XXXX XXXX XXXX Truck, VIN XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX. I also purchased GAP for {$890.00} and the extended warranty for {$2800.00} as offered to me by XXXX XXXX ; both through XXXX. The payoff amount for the XXXX XXXX was {$5300.00} to XXXX. XXXX XXXX offered financing through Ally Financial. I accepted this offer. My Ally Financial loan number is XXXX To date, XXXX XXXX has not paid off my trade in ; nor has XXXX  received payment for my GAP or the extended warranty. Because I value my good credit, I am continuing to make payments to both XXXX and Ally Financial. I have attempted to get this resolved with XXXX XXXX XXXX XXXX XXXX on many occasions and the General Manager, XXXX XXXX, continues to give me the run around. I have also spoken to Ally on numerous occasions and they claim there is nothing they can do for me. After researching this dealership ( owned by XXXX XXXX XXXX XXXX ) and its relationship with Ally Financial, Ally Financial is knowingly and maliciously financing XXXX 's scam of not paying off trade-ins and not paying the GAP companies. I have attached all of my documentation, news stories of the scam as well as a pending lawsuit involving this exact same situation and as Ally Financial as a defendant. This scam has been going on for several months and Ally was fully aware. I am needing resolution to this situation ASAP and no one is helping me. 


Ally Financial XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX, General Manager XXXX XXXX XXXX XXXX, scammer XXXX XXXX XXXX XXXX XXXX, XXXX owner, scammer XXXX
Consumer complaint received 2019-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX, XXXX    (Original Creditor: XXXX XXXX XXXX) XXXX, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX , XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MO)

Chase Bank has over the course of the last few years had me to not only fax information into their center and to set up the automatic deduction monthly on their Chase website, but has failed to to set up the auto deductions at all. It has taken me over 56 attempts to fix this issue. Each time I have called Chase Banks Customer Service has been unprofessional and rude. I have requested numerous times to have a Manager outside the customer service call center contact me in regards to my account to discuss the neglect of Chase Bank Employee 's to actually do their job over the course of the last 1.5 years. When I called on or about XX/XX/XXXX / XXXX 2017 as I was online I discussed with the customer service representative and verified that the minimal amount for payment is checked for my XXXX 2017 payment and was told, YES I WAS GOOD! Then on XXXX XXXX 2017, Chase bank attempted to process the entire amount due on my credit card for an estimated amount of {$4600.00} which of course came back as an NSF due to them changing or lying to me about them seeing the minimal amount payment to process. Every time I log onto Chase Bank I am having to change my password, and if you are late on a payment they lock you out of your account and wo n't process unless you call them directly, or they harass the customer and call numerous times to collect all the money they are owed. No Manager has ever called back during this whole time to discuss these issues with me and depending on the manager that is in the call center a customer will get either a response that the manager will call within 24 hours / 24 to 48 hours / or 24 to 72 hours of the manager which choses to not call because it is not worth their time and energy, but I have had to spend countless hours on the phone with this Chase Bank.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX XXXX dated XX/XX/2020 confirming they have submitted the necessary documents needed to remove these lates that are currently reporting to the bureaus. This letter states these changes should have been made within ( 30 ) days however, the bureaus are still reporting incorrectly. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to remove these but I have not been successful.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX account beginning with XXXX have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On my credit report it shows that theres was a hard inquiry from XXXX XXXX XX/XX/XXXX of XXXX, I have never inquired about credit before until around XXXX of XXXX to finance tires. So this hard inquiry that is negatively affecting my score was not made by me. Tried calling captiol one and the customer service phone line did not help to try and dispute this. I have however applied for a credit card through them XX/XX/XXXX, and this is when I noticed it because that hard inquiry was notified to me through XXXX XXXX
Consumer complaint received 2018-04-16
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. (MI)

I filed a bankruptcy chapter XXXX that was discharged on XX/XX/2018. I checked my credit report and all was fine except XXXX XXXX a debt collector for XXXX XXXX XX/XX/XXXX XXXX XXXX Has my account as bankrupt however they still have it listed as open. I called before the discharge and asked the gentlemen why it was still listed as open, he advised me that he would correct it immediately. I filed a complaint with transunion and XXXX so far I haven't heard back from them, however I decided to call XXXX again and the collection agent advised me that they did have it as bankrupt however they by law code 93 of the fair credit reporting law had to keep it open. According to my credit report they last reported this account open on XX/XX/2018. I realize that if the account is closed and has been closed for almost two years it should say closed having it a bankrupt is not enough. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX their phone number is XXXX The account number is XXXX
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mar Joe Enterprises (OK)

This company has sent multiple ROBOCALLS to my CELL PHONE. As recently as today XX/XX/2018. They do not have permission to send robocalls to my cell phone. Furthermore I have not received written communication or any attempt at validating any alleged debt. I am not aware of any debt that could be owed to them.
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX account beginning with XXXX have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-11-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (FL)

1st phone call with Hudson Valley occurred on XX/XX/2018 - They requested amount of {$2300.00} for charged off account balance of {$1800.00}. I requested explanation of difference in amount and they explained this was amount from original creditor ( XXXX XXXX XXXX ). Confirmed with XXXX XXXX XXXX on same day the amount reported by Hudson Valley that was incorrect. Hudson Valley has requested incorrect amounts and has threatened to sue for account if account is not paid in full amount for balance of {$2300.00}. 

Hudson Valley has also never sent out Debt Validation letter to home address after numerous attempts of doing so over the phone and in writing.
Consumer complaint received 2022-02-07
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. (NY)

Equifax is reporting an address on my credit profile that I do not recognize. Clearly the address listed on the credit personal profile is not my address. I do not recognize that address and I never resided at that address. This is an error that cost points on my credit profile.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (PA)

This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$1300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-10-15
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. (UT)

XXXX, Transunion, and XXXX  are reporting a balance that have been paid and I do not owe. XXXX and XXXX  XXXX XXXX XXXX, debts have been paid and they continue to report a balance.