davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (FL)

Our card was fraud charged repeatedly on 5 purchases in California, we live in XXXX, FL XXXX XXXX XXXX CA {$100.00} XXXX XXXX XXXX CA {$250.00} XXXX XXXX XXXX CA {$560.00} XXXX XXXX XXXX CA {$610.00} I was also a pending transaction {$550.00} not available on statement yet. 


They approved purchases over the credit limit. 

Fees Charged Late Payment XXXX XXXX {$38.00} XXXX when we paid on time. 
We had made numerous called since XXXX, also signed and send an affidavit. 
Their respond is to call back, and continuously calling us requesting us to pay those fraud charges. They continue to ignore our calls to solve the problem. We'll being threaten to damage our credit if we don't pay the minimal of {$400.00}. when our monthly payments is {$100.00}.
Consumer complaint received 2019-07-25
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) -- all same account name, original creditor name, but different trade lines on my credit report.. XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX  XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )
Consumer complaint received 2022-10-06
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. (NC)

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well their inability to report accurate information on my Credit File. I previously sent a letter addressed to the Credit Bureaus dated XXXX XXXX, requesing that the Credit Bureaus take their time to VERIFY THE INFORMATION THEY REPORT ON MY CREDIT FILE. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section XXXX and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$75.00}
Consumer complaint received 2019-07-25
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. (CT)

On XX/XX/2019, I mailed a Method of Validation letter to Experian, exercising my rights as under the FCRA. That was the follow up to the initial dispute letter. In my letter I demanded to know specifics of how this bureau arrived at the conclusion that the alleged accounts were verified and therefore listed on my report as accurate. I wrote that I wanted to know WHO they spoke with at these companies who verified these accounts and what documentation was used to claim validity. As XXXX XXXX XXXX states, verified means Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. There has been no evidence provided that this has been followed in any matter. The credit bureau can SAY something has been verified but that does not mean any procedure was followed in ensuring that verification took place. 
It is my understanding that the credit bureaus routinely use a Consumer Dispute Verification Form in  attesting to the accuracy of any alleged accounts. Anyone can SAY they obtained verification for one of  these forms without checking into the accuracy of the alleged account. 
In accordance with my rights, I sent a letter to Experian stating that they have not responded in a timely manner and therefore are to delete the following accounts : XXXX/XXXX XXXX XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX I am sending this message to the CFPB to monitor and ensure action is taken to satisfactorily resolve this matter.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

Since late XXXX the XXXX XXXX Credit Card by Comenity hasn't provided any points conccurrent with purchases as advertised in their agreement. The company has said they aren't sure how they will fix the issue and the rewards company blames the bank while the rewards compnay points to the bank. This appears to be an issue impacting thousands of card holders. It has gone on so long with no clear answers that it appears to be quite fraudulent.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX, XXXX XXXX! I call and send dispute letters. 

XXXX  XXXX, XX/XX/2022! I called and sent dispute letters. 

XXXX XXXX XXXX, XXXX XXXX I've sent dispute letters and called them.
Consumer complaint received 2019-07-25
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)

Well everytime i call i cant get the question rite as they say and then they want me to send them a copy of my id and ssi card which i not sending my personal INFORMATION AND THEY SEND PEOPLE THUR THE RINGERABOUT WHAT WE KNOW ABOUT OURSELF THAT WHAT I DONT GET WE KNOW WHST ON OUR CREDIT
Consumer complaint received 2018-05-21
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. (TX)

XXXX XXXX has reported to XXXX two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but XXXX refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX
Consumer complaint received 2019-05-09
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. (GA)

I have requested for the credit bureau to delete incorrect addresses and they have failed to honor requests. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-07-25
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. (AL)

The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud. XXXX, XXXX XXXX   XXXX, XXXX/XXXX  XXXX
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I send payment via online bill pay through my bank to New Rez ( also operates as Shellpoint Mortgage ) every month a week early. This month the money was taken out of my bank account but New Rez never cashed it. My bank shows that the payment was issued and offered to remediate with New Rez. Unfortunately despite a dozen emails and three phone calls, they are charging me a late fee and damaging my credit score. I paid early and I shouldn't be at fault that they haven't processed it. The  payment was made on XX/XX/XXXX and it's now XX/XX/XXXX.
Consumer complaint received 2019-07-25
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. (AL)

The date of last activity is incorrect. How can this account be charged off when I pay them on time and in full.. Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX,
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NY)

On XX/XX/2023 I applied for a personal loan with one main financial through credit karma. They did a hard pull on my credit. I have good credit. They then try to link to your bank to verify income. My income is sufficient by there standards however I bank at a small credit union that doesnt link with there software so my loan could not be processed. However the inquiry on my credit remained. So my credit dropped and I never had a chance at approval. It seems to me that they should disclose their process prior to inquiring on your credit. I called the company and they said they understand but there is nothing that they could do. This is a deceptive business practice. Why would I apply for a loan that because of technical reasons I would never be able to receive. The company told me to call the credit bureau and the credit bureau told me to dispute it with the company. One Main financial is using unscrupulous business practices and not operating with full transparency.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (KS)

I have been trying for over a year to get my credit report from all three credit bureaus. I keep sending them the information to obtain one, my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter. And when they have sent me information it is in someone 's elses last name
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit reporting act XXXX  account # XXXX or account name XXXX XXXX Bank, 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 report agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-23
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: HYUNDAI CAPITAL AMERICA (MS)

In XXXX of this year I was looking for a car. The company I went to ran my credit several times and put 10 hard inquires on my report. I asked them were they steady running my credit they said no but when I looked at my report I have it on there several times. XXXX XXXX in XXXX Ms. Im trying to attempt to get some of those hard inquiries off my credit because Im trying to boost my credit score to get a house.
Consumer complaint received 2022-10-06
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. (NY)

In Accordance with the fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under USC 1681. 

Acct XXXX XXXXXXXX # XXXX, Acct XXXX XXXX # XXXX, Acct XXXX XXXX # XXXX, Acct US DEPT ED # XXXX, Acct XXXX XXXX XXXX # XXXX, Acct XXXX XXXX XXXX  # XXXX, 15U.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. 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 2022-10-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (SC)

I am the consumer writing and there is no third party involved.National Credit Systems a debt are reporting inaccurate information to the national consumer reporting agencies to coerce payment. The FDCPA was passed to eliminate abusive, deceptive, and unfair debt collection practices. According to my records, I do not recall giving National Credit Systems a debt any prior consent to communicate with me aboutanymatter.Was I even given a choice to hold an account with National Credit Systems a debt? How do I owe National Credit Systems? How was this verified? National Credit Systems and XXXX and XXXX ignored my recent disputes and never provided sufficient evidence because this can not be verified. 
XXXX send an automated response without even investigating which violated the FCRA. Fraud is wrongful or criminal deception intended to resultin financial or personal gain. And that is exactly what National Credit Systems, XXXX, and XXXX are, a fraud.In additionto that, furnishing this alleged debt to the national reporting agencies to coerce payment violates 15 USC 1692d ( 4 ). 
XXXX was not habitable. And do I not have a right to PRIVACY? Why was I never given the option to opt out of this reporting? Why was I never given an option to opt out of an account with NCS? In other words, this sounds like account LACKS FULL DISCLOSURE, AND ADEQUATE CONSIDERATION!

I never agreed to any terms with National Credit Systems, THEY WERE FORCED ON ME. 
There was no working AC for MONTHS, water leaks, pest were NOT CONTROLLED and I refuse to pay this debt.Prove tome how this extension of credit with XXXX even became a debt with NCS. Please send a complete audit trail with accounting history evidencing added charges, and payments made since I have never even seen it.I wish to deal with this matter only in writing.NCS must cease all communications engaging any conduct to harass, oppress me in connection with collection of a debt, except by US Postal mail to inform me thatcollection activities are being stopped. In accordance with 15 USC 1692c ( c ), I refuse to pay this debt. To be clear, Communication means reporting of an alleged debt to XXXX. Communication under the FDCPA means The convenience of information regarding a debt, directly or indirectly to any person through any medium. I demand this tradeline bedeleted from all national consumer reporting agencies as it is preventing me from obtaining a car and house for myfamily. Not to mention, the mental anguish that comes with it not being able to provide for my family.I am writing to claim all rights, titles and interest on the subject matter. This will be my 3rd time attempting to rectify this matter. I would appreciate your timely response as I am falling harder and harder on already hard times. 
Warm regards, XXXX XXXX
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason with no warning even and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them then I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2019-07-25
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. (NC)

Consumer contacted Transunion to dispute inquiries that were not mine. I was told by XXXX XXXX of XXXX XXXX name given XXXX that inquiries could not be disputed. I was told to contact the creditor and send correspondence to them. I informed them that I will not contact someone I do not know. 

He said that inquiries were factual and they could not dispute them and that I would have to contact the " lenders '' directly and he would not dispute any of the inquiries. I asked them if they could give that to me in writing. He ignored the question. 

He said the inquiries were already in dispute as of XX/XX/2019. When I informed him that I did not dispute anything with transunion on XX/XX/2019 and when would the dipsute be completed he told me 30 days. I then inquired how was the item disputed and why does it not show " disputed '' on the online account I was then viewing. He did not seem to how know it was disputed. 

I was not given a record of the dispute such as a confirmation number for the call or dispute.
Consumer complaint received 2019-07-25
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. (IN)

The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX ( duplicate account, two trade lines ), XXXX XXXX  XXXX , XXXX XXXX, XXXX XXXX,
Consumer complaint received 2019-07-25
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. (IN)

The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX ( duplicate account, two trade lines ), XXXX  XXXX  XXXX  XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2019-07-25
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. (AZ)

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. DPT EDXXXX XXXX