davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2018-02-10
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: ALLY FINANCIAL INC. (CA)

Hello, I leased a XX/XX/XXXX XXXX XXXX from Ally financial in XXXX XXXX, CA from the XXXX XXXX dealership. I want to file a formal complaint because when my lease term ended and I returned the car in XX/XX/XXXX at the XXXX XXXX dealership ( because I move in XX/XX/XXXX to XXXX, CA ) I was charged months later for wear and tear fees but not properly notified of these charges. Due to their lack of communication to me, the amount didnt get paid until I saw it on my credit report. Now my credit is being penalized for their mistake. Ive been asked every time I call Ally what my new address is and every time they tell me they are going to update it they do not. In fact, I called them today and they still had not changed my address and Ive had to reiterate it on every phone call. Because Ally did not update my address ( even though I gave it to them many times ) or my phone number ( gave them that too ) they sent the bill to my old address and it went to collections. This is not my fault, and I paid the amount even without seeing the bill because I finally knew about the charges. Sadly that was after seeing my credit score drop 150 points. In my case, I did what I was supposed to and I did all I could to be a responsible leasee. I returned the car on time, I gave my updated information countless times and I called in to check the status of my lease return ( they said everything looked good ). I paid my lease on time every month for the three year contract with out missing any payments and I certainly wouldnt let all that hard work go to waste for a {$220.00} wear and tear fee.
Consumer complaint received 2023-04-04
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. (IL)

My Name is XXXX XXXX XXXX the following addresses below are inaccurate. 

addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Under 15 U.S Code 1681i I demand an investigation be done and these addresses be removed immediately. This has been a great inconvenience to me. My proof of address has been attached.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (OH)

I bought a prepaid XXXX card for my grand daughter as a XXXX present. We had a hard time with activation. I called the company and they gave me a hard time also. They wanted my grand daughter 's information and I ask her to put in in my XXXX account and they refused. I bought the card and she just wanted to spend it like any other prepaid card. My grand daughter is only XXXX years old and I feel that they don't need her information. I would have gladly put it in my name and gave her the money another way. I bought this card at family dollar and they did not say you can not return it until I read the receipt instead of telling you when you buy it before you paid for it. Either way my {$50.00} is on this prepaid card and we are unable to spend it. Times are hard, she need things and unable to get her anything because we can not use the prepaid card. All I want is my money back in check form or another prepaid card that is not connected to XXXX.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. The following accounts need to be deleted : XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX I have several hard inquires on my credit the need to be removed. I was in the hospital and found out only recently that someone was using my ID information to apply for credit without my knowledge. Please remove the following inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

Upon receiving debt collection notice on XX/XX/2018 from Credence Resource Management LLC I determined the debt in collection was not mine. I followed up by sending a letter to the company on XXXX Demanding Credence provide proof that i owe the debt. It is now XXXX and Credence has not provided proof. I spoke with Credence today and was offered lower amount that what the bill states. I explained i never authorized cell phone service with XXXX. XXXX fraudulently used my social security number and mother in law 's name to open an account without my permission. Then proceeded to close the account and have it sent to collections. Credence is unwilling to provide proof that i would owe this debt. I've demanded they remove it from my credit report. Credence has not complied.
Consumer complaint received 2018-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NV)

My complaint is about XXXX company sending me a bill stating that I owe them money for their services and that I was under a contract for years to come. But when I first sign up for there services I was told differently. I paid my final bill with them and close out there service. 
Next thing I no I receive in the mail an " RPM '' notice stating that I was in collect. 
I had spoken with someone representing this company and again they suggested that I call " XXXX '' office. The reason why this third party has not been calling me is because I did not give them my telephone number. 

RPM stand for Receivables Performance Management LLC.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TX)

i had a bank account with bbva compass in XXXX texas i had cashed a check not knowing it was bad so when i filed my income tax i put that bank account routing adn account number so i can pay it back note i only owed {$800.00} the depoist was for {$1900.00} well since that account is closed they just got what i owed them and said they will send a check for remaing balance now which is owed to me in check form i call the bbva corp office and recovery no one can give me an answer or anything keep putting me on hold then hangs up i am at lost for words dont know where to turn to or ask for help
Consumer complaint received 2023-04-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2020-01-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

XXXX TRANSFER REFUND ( not processed, now XXXX  months later ). 

The issue started when on Tuesday XX/XX/2019 ( XXXX ), I sent {$1100.00} from XXXX VA to XXXX XXXX The recipient had given me an erroneous name ( or perhaps an incomplete name ), which did not allow him to collect the money. 

It does appear as if I fell for a scam, but nonetheless, the money was NOT collected, and so I requested a refund/return to me the original sender. 

My account is verified with MONEYGRAM, with my State Driver 's I.D., and so the fact that I am the owner of the money that I sent is confirmed and established. 

On several opportunities ( beginning XX/XX/2019, and through to XX/XX/2019 ) after going back to the location -- XXXX XXXX, XXXX XXXX XXXX, XXXX  VA-XXXX  / XXXX -- where I sent the money, I got in touch with MONEYGRAM Minnesota Headquarters / XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MN-XXXX  [ XXXX ], and convinced them that the sender was not in receipt of the funds ( which they confirmed ) and I was requesting a full refund ( minus transfer fees ), of my principal transfer sum. The MONEYGRAM HQ gave me a new reference number with a refund Reference number, to send the money back to me. 
However, neither XXXX nor MONEYGRAM HeadQuarters have in fact refunded me the money since then, nor have they presented me with a solution and have in fact avoided giving me a clear resolution. They have stated that the transaction seems suspicious which I have not denied being that the recipient was seemingly using a false name, but I am a real person who sent real money and confirmed with a real State-Issued driver 's license. So the fact that I am the owner of the funds I sent is very verifiable. The money is still there. 
They have refused to honor the return Reference number, and so I am writing to request your support in recouping this money, and returning it to me it's rightful owner. 
Thank You.
Consumer complaint received 2020-01-24
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: EQUIFAX, INC. (OH)

Equifax is reporting inaccurate information on my consumer report i filed a dispute XX/XX/XXXX about fraudulent accounts being on my credit report jpmcb card and a XXXX XXXX card Equifax sent a correspondence XX/XX/XXXX and stated that they verified the chase card belonged to me with know proof of verification as i requested there method of verification and they never sent it to me they have my name spelled incorrectly and they also have the wrong address on file. I understand that equifax is supposed to report 100 % accurate information but it seems like they are willingly reporting inaccurate information even though there are flaws in my consumer report. I ask that equifax delete the XXXX account off of my consumer report and delete the XXXX XXXX file off of my consumer report immediately they marked the files as closed but they need to be deleted immediately.
Consumer complaint received 2021-02-01
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. (NJ)

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2018-02-10
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: Bread Financial Holdings, Inc. (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2022-04-29
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: WELLS FARGO & COMPANY (PA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cannont furnish an account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-29
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privayc.

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
Consumer complaint received 2021-06-07
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: TD BANK US HOLDING COMPANY (NJ)

I want the following accounts to be removed from my credit report asap. See the list here : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.
Consumer complaint received 2018-02-10
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: DISCOVER BANK (NY)

I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

CFPB : Reaching out because I noticed on my credit report that Ocwen Loans is reporting a 30 day late payment when that never occurred. The account number in dispute is XXXX. My name is XXXX XXXX and my social is XXXX. Can you please look into having this removed from my report. 

Thank you,
Consumer complaint received 2018-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (OH)

I bought a car from XXXX and was financed by American Credit Acceptance,  which they do not use anymore and wouldn't tell me why. I have been paying on this car for a year and some months. I discovered when asking for help with my bill, that I am paying {$17.00} a DAY interest. My car was for, say {$23.00} grand and they are charging {$20.00} grand to finance it. I did not realize that I would be paying on this car for ever under what is called a simple loan at 25 % APR, which I couldn't come up with {$16.00} and is more now. I have missed payments and is currently behind now, but I researched my account only to find out that, even when I paid on time NONE OF MY PAYMENT WENT TOWARDS MY PRINCIPLE. I don't understand! Now I've gone from 60 payments left to 65 and {$23.00} grand to {$25.00} grand I am trapped and American Credit Acceptance told me I can pay {$75000.00} for this car, becuase there isn't a ceiling on the interest or payments they can take from me. Even when I get caught up and pay on time. I've had a lot of cars, but I have never experienced any deal like this and I read that the interest may not be legal in the state of Ohio. What can I do. I don't have credit to get a new car, I want to pay this one off, but at {$650.00} a month and nothing going to principle, I can't go on like this. Something is not right here!
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Albert Corporation (CA)

Okay well I was adding money to my card to save it because my wife had recently had a XXXX and I wanted to make sure I had extra money saved so I was making deposits from my XXXX XXXX  out to this card While I was at the hospital with my wife someone had stole my card I guess or my card number and was making transactions from XXXX and XXXX XXXX which I don't know what that is I disputed it and they sent me back something saying the transactions needs to be verified and verification was given I'm not understanding what that means but I did not use the card especially for no XXXX gold coins and now they're not helping me get this problem resolved the questions they ask are a set up no matter what u say your wrong
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Bureau of America Ltd. (CA)

The issue that I am having is that the company in question ( COLLECTION BUREAU OF AMERICA ) will not send me any formal validation of the debt, will not send me any formal letter in writing stating how much I owe or conditions and terms if I pay the debt. I want a formal agreement in writing that if I pay the debt, that it will be removed from my credit report and the representative at the company, XXXX XXXX has disagreed to do so, and told me this was not possible. First rule of doing these things is to always have everything in writing and they do not want to do so until AFTER the debt is paid, which is bad practice.