davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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. (NJ)

This is so uncertain. It really gets on my nerves. I've submitted this complaint 4 times already & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks 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 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I AM REQUESTING XXXX, XXXX AND EXPERIAN TO REMOVE THE CREDIT FREEZE, FRAUD ALERTS SO THAT CFPB CAN AIN IN PORTECTING MY CREDIT FAIRLY. WHEN THE DISPUTES ARE COMPLETED I WILL REPLACE THEM BACK ON MY REPORT.
Consumer complaint received 2016-01-05
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Moneytree Inc (WA)

On XX/XX/XXXX I applied for and granted a {$150.00} loan from Moneytree, inc, XXXX , Washington , with a repayment of {$170.00}. The funds were picked up on XX/XX/XXXX, and had a payback date of XX/XX/XXXX. On XX/XX/XXXX my Husband made an on line payment to my account of {$170.00}. On XX/XX/XXXX a payment of {$170.00} was made from our checking account, XXXX XXXX XXXX XXXX XXXX to Moneytree, inc to repay the loan in full. The money was " NOT '' returned, our account only shows a withdrawal from our account by Moneytree, inc. On XXXX/XXXX/XXXX Moneytree took the payment again from my checking account making a total payment of {$340.00} for a {$150.00} loan. Repeated contact with Moneytree, inc via email, FAX, and a visit to the local Moneytree location in XXXX has resulted in receiving no help. I have received an email from Moneytree, inc stating that " maybe '' the money was credited to another account. Since Moneytree can not tell me where the extra money went I am filling a complaint with the Consumer Financial Protection Bureau, and the Federal Trade Commission in a effort to resolve this issue. I can provide copies of my bank statements showing the XXXX withdrawals for {$170.00}. This makes a total payment of {$340.00} for a {$150.00} loan.
Consumer complaint received 2022-08-29
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. (CA)

In XX/XX/XXXX I was made aware of a recent account by XXXX XXXX XXXX. I have never applied etc for this company. My credit has been frozen since XXXX. XXXX never did a credit inquiry ( nothing shows on credit report of them doing that. If they had they would have seen the frozen credit report. ). This is NOT my account. I have told Equifax and XXXX this and they are not removing it from my credit report. I can not contact XXXX because 1 ) I have to leave a voicemail and No one ever responds and 2 ) if I send an email I have to include my social security number. I believe XXXX to be a fraudulent scam company who allows other people to use our great credit and we get stuck because they are not diligent in checking credit reports. I am not the only one this has happened to. If anything could be done to change XXXX business practices or get them out of business, it would save a headache for everyone. I want this false information off all three credit reporting agencies. Not only do I have frozen reports but now I have layered it with fraud alert. But that doesnt help when they dont check! Thank you for your assistance in resolving this matter and restoring my credit report to accurately reflect my accounts.
Consumer complaint received 2022-08-29
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. (PA)

On XX/XX/2022, I received a Credit Alert from Experian .com indicating that my XXXX XXXX XXXX XXXX XXXX XXXX Account Balance ( for my first mortgage ) increased to {$190000.00}. 

For the month of XX/XX/2022 my current Principle Balance for my XXXX XXXX is {$190000.00}, which is {$4800.00} less than what XXXX has inaccurately reported to the Credit Bureaus. 

On XX/XX/2022, my Credit Score decreased by XXXX points. 

I am respectfully requesting for XXXX to accurately and expeditiously report my Principle Balance of {$190000.00} to all Credit Reporting Agencies ; Expreian, XXXX, and XXXX so my XXXX Principle Balance, Credit File and Credit Score are accurately updated and corrected in all of my Credit Reports.
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (AZ)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX The above sent me a collection notice XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I owe them XXXX for items I ordered in XXXX, XXXX. The bill is addressed to : XXXX XXXX ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never have lived in California! I had an account with XXXX several years ago, but I closed it and destroyed the card. Someone has my info and has used it to incur this debt. My home has been in Arizona since XXXX. I am reporting this to you because the collection agents said to report this to you.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Well I have account whit capital one bank and I deposit a check on it and theyre just block my access to the account and freeze my money and theres days is suspicious activity because the check code from XXXX XXXX California but the check its verify by the company whos sended to my address thats company was XXXX The check was XXXX XXXX XXXX XXXX dollars in my account I have {$25000.00} the company whos Payment was XXXX
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Card Receivables Fund Incorporated (GA)

I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and XXXX of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are :
Consumer complaint received 2022-08-29
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. (MN)

In XX/XX/2022 I sent letter to the 3 credit reporting companies XXXX Equifax and XXXX, asking them to do a Theral review of my credit report, they did but i did research and found improper even after their Theral research. the account # XXXX XXXX XXXX XXXX does not belong to me and several companies XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all pulled my credit report without my written okay to them. In accordance with the fair credit reporting act XXXX account # XXXX have violated my rights 15.u.sc6181 section 602a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions, i have done none of that i had no knowledge. i have been frauded not only by the person whose been using my identity and by the credit reporting bureaus.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Jennifer McCoy, PC (TN)

I made a purchase with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX in XX/XX/XXXX. I purchased a bed and bedframe that was adjustable. A week after the purchase the justable frame stopped working. I contacted the company they refused to fix it even though the contract said that they would and told me to contact the manufacturer. I told him I refused to pay the debt and less they honored their side of the agreement and that they should come and return the bed and the mattress. They never did. Some time went by and I finally got a call from a XXXX  XXXX. They were told the XXXX the same thing that I would not pay unless they honored their agreement first and then I wanted him to return the product if not. I never heard anything Else from them until XXXX day a letter was put on my door that was not sealed in an envelope just fold it over and it contained my account number my personal information debt information including amounts of food etc. etc. it also included a letter threatening me with police and legal problems. So I contacted the XXXX XXXXXXXX again and told him I wanted it out of my house I have requested them to return it multiple times or to fix it they refused and then I never heard anything else again. I never heard anything until last week I received a civil warrant for general sessions court For a lawsuit. For over XXXX years I had received no contact through the phone, email, Postal Service, or any other means. My phone number has been the same since XXXX. My address has changed but has always been updated with my drivers license and tax information which are accessible by an attorneys office if need be there has been XXXX attempt to collect this debt until I was randomly sued after they refused to uphold their end of the contract. Then when I called the attorneys office to discuss the Civil Warrant I had received I was told that the judge isnt going to care about my XXXX little letter and XXXX you then they hung up on me. I was speaking to XXXX from the law office of Jennifer McCoy. XXXX is in Indiana so Im not sure if she is even able to discuss in TN. So this company was hired to collect a debt, never attempted to collect the debt, waited 5 years, and then sued me and then cussed me and made fun of me while threatening my credit score when I called to discuss. Jennifer J. McCoy law office is a disgrace to the profession.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NJ)

I got a loan from santander consumer USA, I TOLD THEM THAT I JUST HAD PAID THE AMMOUNT OF XXXX $ THE LOAN WAS FOR XXXX AND WHEN I OPENED THE ACCOUNT TODAY TO SEE PAYOFF AMMOUNT MY OAYOFF AMMOUNT IS ALMOST XXXX SO I CALLED THEM THEY TOLD ME THAT MOST OF MY PAYMENT WENT TO INTEREST AND MAYBE JUST 10 % WENT TO PRINCIPAL I CANT AFFORD ANY MORE PAYMENT I HAVE TO FEED TWO KIDS AND IS VER HARD FOR ME PLUS GAS AND OTHER STUFF I NEED HELP TO WORK OUT WITH THEM PLEASE!
Consumer complaint received 2022-02-24
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. (CA)

This is now my XXXX attempt to get this matter resolved regarding the XXXX account in my Experian report. I have always made my payments on time. For some reason, I realized that there was a 30-day late payment on my credit report in XX/XX/2019 and I do not believe I was late on the date they are reporting. I contacted the bureau 2 times now & they claim this information has been verified but they have failed to provide me with any proof which is a clear violation of FCRA Sections 611, 616 & 617. This account should not be showing I was 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof. 

XXXX XXXX
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (OH)

On XX/XX/XXXX I went to an ER and had imaging from XXXX XXXX XXXX ( XXXX ). I paid said bill through XXXX which is a company that worked with my insurance at the time on XX/XX/XXXX. I retained proof of payment receiptbdor {$38.00}. I then received on XX/XX/XXXX a collections letter from XXXX are ( XXXX ) and I do not owe this bill. I have contacted both companies by email with receipts and called numerous times for help and yet neither company will do anything to help.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (TX)

I purchased this car loan in XXXX it has had an oil leak recall ever since. I have taken it in a few times to get the oil leak fixed and every time I did, they would say it was fixed but it never was. Had to stop paying on the car because I kept having to put money into fixing it. Fast forward to XXXX the car transmission went out due to the oil leak. No one in that 4 to 5 years ever came to get the car. Nor did they send me any papers requesting information on the car. Now in XXXX in the last month, I started receiving calls about this car. The amount showed up recently for {$20000.00} I am now being asked to pay. The amount is incorrect considering I paid over 2 years {$450.00} a month. I have asked that this be removed from my credit report 1. Because this last month is the 1st I've heard of this account. 2. Because in the State of Texas the loan and collection is passed the statutes of limitations.
Consumer complaint received 2022-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (KY)

We have made several attempts to close a paid off HELOC to no avail. We took out a XXXX XXXX XXXX with PNC on XXXX with PNC, whereby part of the proceeds were REQUIRED to payoff our existing HELOC. The balance was paid off, however, the HELOC was not closed. When I saw that the HELOC remained open, I inquired with PNC and was told that I had to submit a letter in writing to do so. I FIND THIS INCREDIBLY IRONIC, AS A CREDIT DECISION WAS MADE TO THE CONTRARY. THE ENTIRE AMOUNT OF THE HELOC WAS AVAILABLE TO BE DRAWN, AFTER THE CASH OUT LOAN WAS CLOSED. I was told that if I submitted a letter requesting to close the account, the subsequent {$50.00} annual fee would be waived, and my loan closed. We submitted the letter in writing, and several weeks went by, and the loan was still open. I again called and was told that the closing request was not processed because there was a remaining {$50.00} annual fee on the account. I paid the {$50.00} and I was told the closing request would be processed. I again inquired when I saw the HELOC was still open, and received a letter indicating the draw privileges were terminated on XX/XX/XXXX, and, as long as there were no fees and no balance, the HELOC WOULD BE CLOSED. As of today, the draw privileges remain available until XXXX/XXXXXXXX and the account is open.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I disputed the account with XXXX XXXX XXXX XXXX XXXX Trans Union LLc and XXXX. Asking for original signature bearing documents of which have not been produced. XXXX XXXX XXXX XXXX isreporting this account without the proper siganature bearing docs and also the information is conflicting between the two agencies proving that this debt is invalid and being reported inaccurately.
Consumer complaint received 2021-06-13
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. (GA)

I was in XXXX  during the time that my information was being used. I have submitted a police affidavit and FTC to equifax and I haven't gotten a reply back for that. I submitted a XXXX  letter as well earlier this year and got no results.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have hard inquiries not authorize by me : XXXX XXXX XXXX XXXX, which they didn't mention in terms that if I access new line of credit they will do a hard inquiries. 

XXXX XXXX XXXX, I don't recognize this hard inquiries
Consumer complaint received 2022-08-29
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. (TX)

On XX/XX/2022, I Disputed an item on my Transunion Credit Report through their Website. First of all, the debt is not mine. I also sent the collection agency my dispute notification via certified, return receipt, US Mail. The name of the collection agency is XXXX XXXX XXXX in XXXX, Georgia. The address listed for them on my Transunion Credit Report is : XXXX XXXX XXXX, XXXX, GA XXXX. My certified mail was returned because that address was bad, so therefore, I could not dispute the item with XXXX XXXX XXXX. I sent all evidence to Transunion via their Website and explained to them that XXXX XXXX XXXX furnished Transunion with a false address, so therefore this account should be deleted from my Credit Report as it can not be disputed due to a false address. I get notice from Transunion on XX/XX/2022, that they verified this account as accurate. How can they possibly verify the account when their own information about XXXX XXXX XXXX is false? This account should be removed from my Transunion Credit Report immediately. Thank you.
Consumer complaint received 2017-08-31
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Applied for a loan XXXX-XXXX-2017 with Nissan Motor Acceptance of XXXX tennessee advised the sales rep that I know what my credit score issue subscribing to the credit agencies credit score at the time was a XXXX and advised the company that I only want my credit ran through Nissan due to being a well qualified buyer. My sales rep was XXXX and the used car sales rep was XXXX. The car that I wanted was not in house XXXX had to travel to XXXX to pick up the car. XXXX the FOLLOWING DAY Saturday XXXX I started to get credit alert notifications. There were about 20 different inquiries showing on my account where XXXX had ran my credit so many times. And my credit score had dropped to a XXXX. When the store opened Monday I called and spoke to Managment by the name of XXXX the GM he stated over the phone that he would do what ever it took to make it right. I advised XXXX That I had the opportunity to contact some of the creditors and they had informed me that to get the company being Nissan to write a letter requesting to remove the inquiries. After speaking with XXXX and informing of what actions that needed to take place he agreed to derive a letter explaining the situation so that I may get the inquiries removed. I advised XXXX I could have had a better I interest rate also had the request of my credit only being ran through Nissan been completed. I advised him that I have a credit alert all over my credit and this was not surprised to have happened. Mean while waiting on the later and seeing that I had not been contacted ; I returned a call back to him. XXXX Stated that he could not issue a statement putting the do company at fault for any malicious intent. I STATED THAT IT WAS NEGLIGENCE ON THE COMPANIES BEHALF THAT THIS HAPPENED AND BECAUSE OF IT THIS HAS AFFECTED MY CREDIT AND MY ABILITY TO DO OTHER THING LIKE REFINANCING MY HOME. I CALLED NISAAN CREDIT TO ALERT THEM AND THEY DID NOTHING. PLEASE HELP ME ....
Consumer complaint received 2022-08-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions