davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Coastal Financial Solutions, LLC (AZ)

VM was left on my friends phone by XXXX XXXX from Coastal Financial Solutions - called a reference of mine from something I supposedly did - and told them basically if they could not get in contact with me they would begin the legal process against me in court in the county I live - stated county.. left a case number to reference - XXXX - and XXXX numbers - XXXX ext XXXX and then a direct line - XXXX - this call was on the XXXX or XXXX of XXXX.
Consumer complaint received 2017-08-21
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. (CA)

Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat-out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief, you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information. Furthermore, I sent them another dispute letter ( see attached ) last XX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (IL)

I bought furniture from XXXX here in XXXX of XXXX. I thought I had 3 years to pay without any interest. No one at XXXX explained the terms or explained the " deferred interest concept which I was never aware of. I began to make payment religiously on the web site. I paid what they stated that I needed to pay. I never missed a payment. After 24 months I went to make a payment only to find out that my balance just doubled. Not knowing why I called them up to find out why. Iw as then told of the deferred interest charge. I offered to pay the balance to conform to the 24 months terms but they refused since I was only 9 days late. I acknowledge that I was deceived and maybe I should have been more careful but the following, I believe, show how deceptive XXXX and XXXX XXXX ( the financing Bank ) are. 1- Monthly payment was not equal so that balance would be paid over 24 months.
2- There was no reminder, note, or any indication of the fact that the balance needed to be paid over 24 months or else.
3- When I became aware of the terms, it was only 9 days and they should have accepted payment.
4- My balance literally doubled overnight. I am currently paying since I am trying to protect my credit.
Consumer complaint received 2022-03-23
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. (CT)

Too many times i had been writing and emailing to the bureaus about the accounts i am complaining. They should not be in my report. I have late payments and unauthorized inquiries that were places there illegally.
Consumer complaint received 2019-11-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MacDowell & Associates, Ltd. (CA)

On the evening of XX/XX/XXXX, i received a letter that was not certified by my employer payroll department that i had a notice of wage garnishment from MacDowell & Associates, Ltd on behalf of XXXX XXXX XXXX XXXX. I did a voluntary repossesion in XX/XX/XXXX, the car in question was never reported on my credit report. Per speaking to a rep from XXXX XXXX XXXX, by the name of XXXX, ext. XXXX there will correspondence from his company that were sent to me stating this car was never on my credit report on multiple different occasions, and they were going to " make the necessary corrections due to the error they caused ''. The vehicle in question was charged off on my account for $ XXXX, MacDowell & Associates claim that they are garnishing my check for {$12000.00} which is by far not the same amount. MacDowell & Associates then claimed i was served a court notice in XX/XX/XXXX, which was false. There is no file of service listed for the case number that is assigned to this. In XXXX of XXXX, nobody including myself was at this residence or in the state at this time. The process server who attempted to serve me, claimed a person who was at my residence did not provide their information to them and was " penalized for perjury '', and may i add the person they described they supposedly " served '' this notice to would have been an officer of law which would have then made him question this person further if that was the case. Per my then conversation that i had with a Mr. XXXX who is a representative of MacDowell & Associates rudely told me that the person who attempted to serve was going to get paid regardless if i was served or not which is not the correct process in the state that i reside in ( California ). As i then continued to try and stop this attempt to garnish my paycheck, per MacDowell & Associates i had to overnight a down payment of {$500.00} via XXXX XXXX, which would then start my monthly payment of {$150.00}. But there is a possibility the garnishment would have not stopped, but i need to hurry up and get the payment in because the person who is handling this " case '' Mr. XXXX would be out of town for a week and there would be nobody there to handle this situation in a timely manner. I also explained to Mr. XXXX my current situation of being a XXXX  XXXX  full time in school, and that i was an on call employee with my employer. He still felt that was not enough information to rectify the issue at hand. I provided an itemization list of my bills and copies of my pay stubs that also showed that my income was not stable, and according to XXXX, that was not enough for him to budge.
Consumer complaint received 2022-03-23
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. (NV)

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below.

- Date opened has two different dates
Consumer complaint received 2022-03-23
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. (CT)

Too many times i had been writing and emailing to the bureaus about the accounts i am complaining. They should not be in my report. I have late payments and unauthorized inquiries that were places there illegally.
Consumer complaint received 2021-10-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

To whom it may concern : I mailed out a mail certified debt validation letter to Southwest Collections on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. Southwest responded with another collection statement, no other details or proof of validation on XX/XX/21. They continue to contact me and send me statements ignoring my concern. The three bureaus said it was accurate/updated but not one bureau truly investigated my case. I have not seen or received any validation of this debt. I do not have a heavy list of creditors, nor do I apply for credit cards. This debt is not mine.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX  XXXX account number # XXXX Closed account Incorrect information reporting I have never signed documents to receive a XXXX XXXX credit card and they are reporting negative information to credit bureaus Ive tried to reach out to your customer service with no help as well as XXXX XXXXXXXX
Consumer complaint received 2022-03-23
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. (NV)

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below.

-Date opened has different dates -last reported has different dates - date of last activity has different dates - date of last payment has different dates
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Claim ID case # XXXX with Experian representative. Disputed inaccurate credit report data reporting. I have disputed multiple times within the app and online with Experian website to correct data since XXXX. Experian website credit report pulled on XX/XX/1921 Report # XXXX showing multiple accounts with XXXX for the month of XXXX or CO with the month of XXXX. These accounts were settled in XXXX. I have mailed off proof of receipts and payments in XXXX. These accounts were closed by the original creditors years prior. XXXX, XXXX, XXXX and XXXX. When calling into Experian they claim those do not show XXXX or XXXX but rather accounts are closed and settled. The credit report pulled same day as phone conversation with employee do not match credit report.
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP (OH)

My lease is almost over and I am purchasing my vehicle with financing from a credit union. Honda Financial Services has been impossible to reach to help with this necessary documentation. I have called XXXX times over the past week and been hung up on. I have spent over 4 hours on hold. There is no option to reach this company via email, chat, or message. This is delaying my loan processing.
Consumer complaint received 2021-10-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call from a lady who claimed to be a representative with Ace Cash Express. She asked me for my social security number over the phone to pull up my account. I do not have an account with Ace Cash Express. And I believe this caller was attempting to steal my identity and SSN. She may have done this with other innocent people. The phone number is ( XXXX ) XXXX. The lady said her name was XXXX. I received the call at XXXX XXXX on XX/XX/2021. She left a message on my phone, which I will attempt to upload.
Consumer complaint received 2019-11-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Consumer complaint received 2023-09-27
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. (NJ)

I don't want these accounts in my report, they are directly affecting me and they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Below are the following accounts that I've made numerous disputes on and ask to remove these from my credit report. I've reached out to the companies as well and still, they have not responded and it's been over 30 days. I have no knowledge of these accounts and would like them removed from my credit report expeditiously. Due to these items on my credit report, I have not been able to get loans and my family has been facing severe hardship. Also, my credit report has drop significantly. 

XXXX ( account open on XX/XX/XXXX ) Account # : XXXX- {$250.00} XXXX  ( account opened on XX/XX/XXXX ) Account # : XXXX- {$89.00} XXXX  ( account opened on XX/XX/XXXX ) Account # : XXXX {$19.00} Preferred Lease ( account opened XX/XX/XXXX ) Account # : {$6300.00} XXXX XXXX -Account # XXXX XXXX ( account opened on XX/XX/XXXX ) Account # XXXX {$400.00}
Consumer complaint received 2023-07-18
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX. XXXX XXXX : Account Number ending in XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. 
Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX  ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX  documentation
Consumer complaint received 2024-06-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc. (TN)

I requested that as per the federal fair debt collection act that BRIGIT no longer be able to debit my bank account or my debit card on file and I was informed that they would do that anyway despite my removing permissions for them to do so.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/2021 My Relatives was contacted by Debt Collection Firm that purchased an account from Capital One Bank. The Firm informed my relatives that I was to appear in court and need to be notified leaving the following reference number and Contact Number XXXX. Once informed I reached out to the collection agency to identify the account. I was informed that the account will be purchased from Capital One Bank and that I would have to deal with their Law Firm to resolve the issue. They provide the account number and dates of the previous account for Capital One Bank with the balance of {$3500.00} as the payoff. The representative further stated that I will have to appear in court to validate ownership of the account and that I have an upcoming court appearance. 
History of Account with Capital One I have sent several dispute letters regarding this secured credit card account with Capital One requesting a balance adjustment since closing the account. The account was a secured card account and Capital One already had my funds to secure the balance. Once I requested the account be closed and Capital One to apply the secured funds to the account and adjust the balance no action was taken. Capital One closed the account at the total credit balance with adjusting for secure funds that established the credit limit. The credit reporting of this incorrect balance has caused harm to my credit report and my ability to obtain any further credit. As of XX/XX/2021, I now have a debt collection agency that purchases the incorrect balance and further damages my reputation by treating calls in violation of FDCPA.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

We have a disputed account that is being claimed as owed by a collection agency that is not correct. We have no idea what the demand is for other than the Business name. 
We think it is about an XXXX XXXX XXXX equipment return that we did at a local XXXX XXXX XXXX office where we returned equipment but their system was down. We were told everything would be okay and to just leave the equipment. The equipment was returned to an XXXX XXXX XXXX store on XXXX by the XXXX here in XXXX XXXX, Texas. Diversified is the collection agency assigned to collect but they have not provided me an account number nor have I received any collection letters. I have no clue what to do other than ask for help!