davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (CO)

Company : Acima Leasing Date of Purchase : XXXX  Details : I purchased auto equipment for my vehicle from XXXX XXXX, which is the company that sells the loan programs for the company. When I went into the store I was fully prepared to purchase the equipment out of pocket but after pushy antics from the store representatives I was forced into a contract with Acima. 

The representative texted me a link and walked me through each step and explaining each step. I trusted what the person was saying and followed through with it. After, he took my keys and said come back in 3 hours. 

Fast forward, 4 months, I get a call from the company advising that I missed a payment. I got a new debit card and forget to update the information with them, so I did it and proceeded the payment. After processing the payment I was informed that I still had a balance on the amount that was more that the loan amount. I asked the rep how XXXX went all the to tell a supervisor who then told me he didnt have a boss and there was no one else to speak to. 

I advised no one told me about any of this and demanded more information about how this was not ok. I also advised i would give everything back if I could get my money back. So no help. So here I am trying to figure out how this is ok and how I can only be held responsible for the cost of the equipment and not the triple charge of the cost of all this.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (AZ)

My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on CONN APPLIANCES INC - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

As of XX/XX/2004 the company XXXX XXXX XXXX ( for XXXX University ) has been trying to collect this debt. I had asked for info, got the information. Since then they have signed me up saying i owe them for a course through their university. I have never received any books, test or even taken any course from their university. I have repeatedly sent letters to collection companies saying I do not owe this and have reported them to the credit bureau. This has been going on for 14 years and I am tired of this. It needs to stop.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Included my mortgage loan in my Chapter XXXX BK and I walked away from the house eventually. According to the BK law, Carrington Mortgage should not be reporting notice of defaults to any database that will pull my credit for another mortgage loan. They are violating the BK laws and I want them to be held accountable as well as delete my name and social security number out of these databases, immediately!
Consumer complaint received 2022-03-03
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. (MS)

I was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call XXXX XXXX but they would not help me. I have payed this account off and I want it removed from my credit report.
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (TN)

I have received 11 robocalls from XXXX since XX/XX/2018. Finally a human connected today. 
Person identified as calling from " Diversified Consultants on behalf of XXXX ''. 
Asked for my home address and last 4 of my social security number, without explaining why she wanted this info. 
When I asked why, she would not tell me. Nor would she give me the company address. 
I asked to speak to a supervisor. Supervisor XXXX joined the call. Again asked me for my address and social security number. I again asked WHY they wanted this information ; I do not want to provide this info to a telemarketer or scammer. 
XXXX said she would not tell me why they were calling unless I gave them my personal data. 
I refused, and asked for their company address so I could register a complaint with my state. XXXX hung up on me. 
I looked up the phone number online, and apparently Diversified Consultants is a debt collector. 
I have never been a XXXX customer. I don't have television/cable service. 
They never did say why they were calling, nor did they identify themselves as a debt collector.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TN)

XXXX XXXX XXXX XXXX was contacted XX/XX/2017 by telephone and requested to disconnect security services at my home. XXXX was called several times to address problems with the security since the first day it was installed. The system would not stay connected to the internet so the alarm system camera would not work. 
I was with XXXX XXXX XXXX several years my contract had ended when I informed them I no longer wanted their services. I received correspondence from the Trans World Systems Inc. a collection agency to collect on the debt. 
I do not owe XXXX any money. I would appreciate your assistance with resolving this issue.
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EQUITY HOME LENDERS, INC (LA)

I thought I closed my mortgage with Equity Home Lenders ( EHL ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX ( XXXX ) XXXX on or about XX/XX/2018 and I recently found in a credit check of myself, that they did not cancel the loan to avoid paying closing cost with the local XXXX XXXX Court ( XXXX ) until they had too. I found this out from my current mortgage holder XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX ( XXXX ) XXXX who knew that EHL did not cancel my loan and withheld this information from me. 

The failure of both these companies EHL and XXXX has cost me financial and personal damages past and present. Presently, I was attempting a refinance loan to make renovations to my home, as my son is XXXX  and out of school due to the pandemic. He can easily injure himself and me, as I am in a XXXX XXXX  and I injure myself trying to aid him daily. 

I have attempted to reason with EHL and XXXX, but both seem mute to why I need have my original loan cancelled. They said they would make the changes asap, but weeks later I still have not seen any changes. 

I would like for your office to investigate EHL and XXXX  inability to reason and have them make the changes to the record. Investigate my files and all lenders past and present to determine how long they have been violating the lender laws. EHL has not refunded my overpayment of {$410.00} that I made several years ago and reminded them on or about XX/XX/2018. 

I can supply your documents via email upon request from your office.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount GR Holdings, LLC (TX)

GoodLeap , LLC is a finance company for solar panels. On XX/XX/2023 my Wife, XXXX XXXX sent them a debt validation request and requested that until they sent a response to the debt validation they cease reporting any negative or derogatory reporting to the credit bureaus and code the tradeline as " in dispute. '' To date GoodLeap has not provided validation and reported the tradeline as delinquent causing my XXXX credit score to drop XXXX points ( XXXX to XXXX ) since XXXX. 
They knowingly violated the FCRA by not accurately reporting the dispute. And I have never been contacted by GoodLeap about this account.
Consumer complaint received 2022-06-18
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. (SC)

To Whom It May Concern, This is an urgent matter concerning a violation of my privacy and requires immediate attention. In order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. Thank you. Exhibit ( s ) provided. 


Per my own investigation and the investigation conducted by the other credit bureaus it has been proven that this debt is false and in violation of my privacy. As the beneficial owner of said account with your company, I trust that my demands will be met with ease and these accounts will be removed immediately. This is my second attempt to remove these accounts from my consumer report. The initial 30 days has succeeded and the following accounts still remain on my consumer report. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. US DEPT OF EDXXXX 6. XXXX XXXX XXXX The accounts listed above are in violation of my privacy according to 15USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. According to 15USC 1681A ( 2 ) ( b ) these accounts should have never been in your system, or my location information shared. This is a willful violation that I am willing to forgive for the completion of my request. Federally Protected Consumers have a right to privacy pursuant to the Privacy Act of 1974. It is my duty to protect my name, if an investigation is performed, it must be impartial and performed according to 15USC 168 ( i ) in its entirety. If this can not be provided these accounts are to be remove immediately. If you fail to comply, I will be forced to report to the CFPB and other regulators. Thank you for your assistance and cooperation in this matter. 


By : XXXX XXXX XXXX, consumer
Consumer complaint received 2022-03-04
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. (AZ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I personally went into HomeDepot and applied for credit. I XXXX XXXX was present with my ID and social security card and number. No one tried to verify my identity. I know my credit is good because I just purchased a home on XX/XX/XXXX, which is why I applied for the card. I received a letter in the mail saying that my application was denied do to a Security Alert. This is wrong and it feels like its illegal. Because theyre saying they couldnt verify me or for one strange reason I have inquiries on my personal credit
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

Dear Experian. XXXX. XXXX I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

Thank you
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (FL)

NFCU declined a credit card charge on XXXX after Flagging/Blocking my card on XX/XX/22, but the problem is, I was NEVER advised of any possible fraud on the card prior to me attempting to use my card XXXX weeks later! 
When I call, " XXXX '' refuses to escalate my call to someone who may be able to answer my questions. I was on hold XXXX minutes and ended up calling XXXX because " XXXX '' in Credit Card Services decided she wouldn't take the call after I insisted with the representative " XXXX '' that I wanted to speak with Her supervisor. 
I'm concerned about ALL of my accounts with NFCU when the repS responses is consistently, " I don't know! '' I don't have this problem with my XXXX accounts
Consumer complaint received 2018-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DC)

EdFinancial has kept me in " prepaid status '' for at least two years. I have called and written in requesting that payments be allocated to highest interest loan, interest, then principal. I have also requested that status not be advanced. This company claims they can not accommodate either request. I should be eligible for Public Service Forgiveness however Edfinancial 's practices have now damaged my ability to participate in this program. Edfinancials service providers refused to assist me in joining an income driven or standard loan payment.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Hi I ca n't seen to get capital one cards at all I been trying for last 5 yrs..nothing yet. I had a business account I had young lady that work for me my husband we XXXX XXXX. ..she work for over several yrs until they caught her she now in pent..serving time for inden. Theft. So she took both of our names my late husband and I scratching all over usa. Now they wo n't even considering me for new card I told them I would b will to put up half deposit for one. But the keep telling me please help me I did n't do anything wrong. Am getting blame for it ...
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (TX)

I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : WORLD FINANCE CO ( XXXX )
Consumer complaint received 2022-03-04
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 ECSI/KEISER UNIVERSITY ACCOUNT XXXX XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2018-05-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION (CA)

I took out a title loan from XXXX XXXX XXXX of XXXX XXXX XXXX, CA i fully paid it off the still months later no title or pink slip sent to me so i went to XXXX they told me that company is notorious for keeping pink slips even after they are paid off.
Consumer complaint received 2022-03-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have spoken with or written EQUIFAX 3x about the same debt. I am not disputing this debt, just the way it was reported! The original creditor was XXXX XXXX XXXX XXXX they stated the 1st date of delinquency was XX/XX/2019. This impacted my credit negatively by about XXXX points. Then they sell the debt to XXXX XXXX, i did not receive any type of communication for this but the collection account was added to my report as of XXXX and XXXX or more-points were deducted again from my report! I have been disputing the way this was reported and they keep denying the dispute stating that the debt is valid, I know that i am not disputing that. My initial dispute I stated that the debt was reaged due to it being the same debt, but the collection agency added to my report using another date. XXXX stated that the collection agency was in there right to add it to my report as a negative account therefore impacting me twice. I know i owe the debt but i am working on getting my credit together and it will take time, but it seems like these credit bureaus are not helping. They take XXXX or more points from you when you fall behind but once you get back on track, they want to add XXXX or XXXX points a month to your report and thats not fair!!!
Consumer complaint received 2022-03-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have spoken with or written Experian 3x about the same debt. I am not disputing this debt, just the way it was reported! The original creditor was XXXX XXXX XXXX XXXX, they stated the 1st date of delinquency was XX/XX/2019. This impacted my credit negatively by about XXXX points. Then they sell the debt to XXXX XXXX, i did not receive any type of communication for this but the collection account was added to my report as of XXXX and XXXX or more-points were deducted again from my report! I have been disputing the way this was reported and they keep denying the dispute stating that the debt is valid, I know that i am not disputing that. My initial dispute I stated that the debt was reaged due to it being the same debt, but the collection agency added to my report using another date. XXXX stated that the collection agency was in there right to add it to my report as a negative account therefore impacting me twice. I know i owe the debt but i am working on getting my credit together and it will take time, but it seems like these credit bureaus are not helping. They take XXXX or more points from you when you fall behind but once you get back on track, they want to add XXXX or XXXX points a month to your report and thats not fair!!!
Consumer complaint received 2021-12-01
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$1300.00} FST XXXX {$1200.00}
Consumer complaint received 2018-05-15
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. (NY)

Contacted Transunion XX/XX/17 about inquirys being removed and also change suffix to XXXX. 
inquiries desired to be deleted, customer service ( Transunion employee XXXX XXXX would not help and take care of the negative inquiries reporting to my credit report