davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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. (GA)

I have the rights to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 15 USC 1681b ( a ) ( 2 ) states consumer reporting agencies can NOT furnish a consumer account without written instructions of the consumer who it relates to. I did not give anyone permission to do so which is in violation according to federal law. 

I am referring to the accounts showing in the attachments below for each credit reporting agency as well as the inquiries.
Consumer complaint received 2020-07-17
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. (FL)

The following accounts have been disputed and no information has been received within 30 days a sa result and by law these need to be removed. These accounts are not reporting on any other credit bureau and you need to follow suit with deleting : XXXX XXXX   XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  -TOO OLD TO BE ON RECORD XXXX XXXX-TOO OLD TO BE ON RECORD ALSO THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME FOR THE PURPOSE OF EMPLOYMENT, CREDIT, OR INSURANCE AND SHOULD BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION (FL)

this is the 3rd time you've tried to collect something that is over 7 years old and you're falsifying the information you're putting on my credit report. This was disputed and removed before and no notification was received of this debt. I'm tired of going thru this and won't the item permanently deleted or I will file a lawsuit ALSO no notification of this debt being placed back on my report and per the law, you are required to notify me .. Then you report it as a fresh debt opened on XX/XX/2020 and THAT IS FALSE. THE DEBT IS NO LONGER VALID PER STATUE OF LIMITATION PLEASE DELETE
Consumer complaint received 2020-10-25
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc. (CA)

on XXXX XXXX i leased a car from XXXX/ General Motors Financial , for 3 years, i did auto payments of XXXX $ a month, in XX/XX/2020 i noticed from my credit card company that i am late on the payment for 75 days, i was shocked, i new, i have auto payment like all my other payment, i called GM , they said that the auto payments was only for 1 year, and they stopped the payment from XXXX, XXXX and XXXX, 75 days, i never stop the auto payment since i leased the car for 3 years, i never got any letter from them notifying me before XXXX that they stop the auto payment, i was sick at home for 3 months with the corona virus, now i`m having big problem with my credit score, i paid the same day the payments for 3 months and advance payment for next month, i never got any latter from GM say anything about the stopping the auto payment, GM telephone # i called is XXXX XXXX XXXX, account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you for your help
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet XXXX and XXXX XXXX are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet XXXX XXXX is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, LLC is trying to collect on a debt that is not mine. I have submitted documentation from XXXX, a credit reporting agency, affirming that the debt is not mine. They are using falsified documentation as evidence that the debt belongs to me. The original paperwork I received on the account in question was sent to a person with my name at an address at which I never resided. After I refuted the address, the company changed the address on the " evidence. '' This account is not mine, yet the collection agency is trying any tactic they can to collect on the debt. The debt IS NOT mine.
Consumer complaint received 2021-09-22
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: CURO Intermediate Holdings (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-09-22
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. (IA)

Hello my name is XXXX XXXX and I sent a dispute letter to TransUnion on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MN)

I still have not received the title to my XXXX XXXX XXXX that was financed by Ally Financial. I was informed by Ally on XX/XX/XXXX that I would receive the title in 4 weeks. Review CFPB Complaint Number : XXXX, and Ally File Number:XXXX.
Consumer complaint received 2021-09-22
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. (PA)

I submitted a disputed and FTC report for fraudulent hard inquiries on my credit. They have not been removed. 

Transunion : XXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021
Consumer complaint received 2020-06-27
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. (MI)

I wrote to the XXXX  credit bureau, File # XXXX and disputed items from US Dept of Education and and XXXX XXXX XXXX XXXX on XX/XX/2020. The credit bureau did not remove the items. Also, XXXX  and Equifax credit bureau is reporting same incorrect information.
Consumer complaint received 2021-09-22
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: Bliksum, LLC (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-11-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (AL)

In XX/XX/XXXX someone took a loan out online using my personal information with Speedy Cash, a payday loan company. The amount due was $ XXXXI was first informed of this when I received a past due bill. I called them and let them know it wasn't me. They said I would need to file a police report. My local police told me since it was an online crime to file with Identytheft.gov which I did. I sent information to them and Speedy Cash in XXXX XXXXSInce then they have turned this account over to collections. I went back to local police in XX/XX/XXXX and filed police report. They never let me know any information about the account other than the amount due. I never signed for any loan with Speedy Cash. I have since retained an attorney to try and rectify.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CT)

In XX/XX/2016, I purchased a refrigerator from Homedepot.com. The appliance arrived, was too big for the space and I asked the driver to take it back. I was told I had to sign for it and make arrangements to have it picked up. When I called Homedepot.com and explained what happeded, they said that I should have refused the delivery and that they would not come get it because I signed for it. I took the matter up with my local Home Depot store and they decided to help me. The refrigerator I ordered was XXXX dollars. I had to buy a new fridge in the store and because my space is that of an older home, smaller refrigerators are now considered custom sizes and cost more. The new fridge cost up towards XXXX. I had to have my credit increased because I did not have a high enough balance to carry both fridges. Home Depot could not credit the first fridge until they picked it up and I could not schedule the deliver of my new fridge until it was paid for. The store kindly offered me 24 months interest free for my hassle. I took the amount of the fridge and divided it by 24 months and set it up on auto pay so that I would not miss a payment. 6 months later, I went to Home Depot and I purchased some flooring in the amount of almost XXXX dollars. I did not realize that the flooring would be on my revolving promotional purchase ( because they don't tell you that ) so in short, the auto pay payments that I was making went toward the floor and not the fridge. When my 24 months was up, I now had a balance on the promotional offer and therefor, all the interest was forwarded to me. My XXXX refrigerator is now over XXXX As the consumer, I was never told that any future purchases made over the next 24 months would affect the promotion. I was offered 24 months because my purchase was over XXXX because I had to carry both refrigerators until I could be credited for the first one. I called Home Depot credit department and asked them to help me and I was told they could not and that I am responsible for the interest. My complaint is, how am to know that any purchase after the promotional purchase effects the bottom line. I was never told this and in my mind, the fridge would be paid off in time and the flooring would accrue typical finance charges. Please help me.
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (SC)

The problem I'm having is now that I'm at the end of the loan.

I'm trying to pay more on the vehicle to get it paid off. But for some strange Reason they keep increasing the interest, My payment is {$450.00} I send {$500.00} I ask to have the extra {$50.00} applied to the principle and for whatever Reason the interest always seems to offset my payment so no extra funds Are available to go to the principle. This has been going on for the last 24 months Of paying for the vehicle. For example if I send in the {$500.00} they take {$300.00} & Apply that to the principle & the interest is {$190.00} The interest seems to be all over The place to keep me from paying off the loan before the 72 months. I have a email From the finance company detailed with all payments. I have approximately {$3400.00} Left on the vehicle & they are stating I have 10 payments left. If you do the math that Would be {$4500.00} not {$3400.00} with extra money being sent. I can send the detailed Billing register of all payments.
Consumer complaint received 2020-11-30
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. (NJ)

There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XXXX of 2020 I have attached proof so that these payments can be corrected.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (NV)

Opened a Best Buy credit card by Citibank here in XXXX XXXX early XXXX and purchased a laptop and an air cooler worth around {$1500.00}. By mid XXXX I paid off the said amount with interest. By late XXXX, I was shocked to find out that I still have around {$8000.00} balance in my account with them since I never use the card after the first purchase .I called them and talked to collection department sometimes on XX/XX/XXXX. I was told that, an extension card was issued to my strange son, whom I have not seen in years. I argued that I have not applied for an extension card nor sign for anybody. I spent the whole XXXX getting in touch with them to settle the issue but they insist that I am responsible for that credit card. My credit score was badly affected by that account and the balance keep getting higher and higher. 

I am a XXXX years old XXXX veteran who is suffering from XXXX   XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX and this problem with the said credit card is giving me the agony that is too much to handle. 

I need your help very badly. Thank you very much.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My XXXX XXXX of an ex boyfriend used my debit card. I already had to get a school version of a restraining order against him while the district investigates him for XXXX  XXXX. When I was over at his place on Thursday XX/XX/2018 I stepped out of his room with my bag still in there. My guess is that he took pictures of my card. Later that month on the XX/XX/XXXX I saw around a {$90.00} transaction for something I had to XXXX. They turned out to be dieting pills, the same exact ones I saw on his mother 's dresser. It was a messy breakup and obviously still continuing. Chase said they can take my money back any time before XX/XX/XXXX while my account was frozen for weeks. I am trying to press charges here because it is beyond their scope and hope he gets properly reprimanded.
Consumer complaint received 2021-09-22
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: PNC Bank N.A. (GA)

Secured credit card was opened with PNC bank in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as XXXX charge offs for the amount of {$9.00}. PNC is only reporting this account to XXXX and XXXX, not XXXX  ... Ive reached out several times to PNC to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, Thank you for reaching out to me regarding my credit situation. The main reason for me reaching out is because of a recent auto repossession ; it is not the typical repossession. The contract from XXXX on a XXXX XXXX, now with XXXX miles, discovered duplicate monthly payments from two separate accounts. The finance company Capital One Auto Finance in XXXX, TX, did not accept admitting to the duplicate charges. Despite my many unsuccessful attempts, including scanned and faxed bank statements. I reached out to the bank, the OCC, and FTC. The P & I paid a total of over $ XXXX in that period. Since COAF ignored my claims, so was the account. Until they closed the and wrote off the account, that is how it reflects on the credit report.

Along with a Credit Repair service contracted to help by sending COAF letters disputing the account. On XX/XX/XXXX, during a pandemic and recent power outage. The car in the driveway, while charging my phone, a tow truck pulls in and attaches it, and tows it away. Now COAf is charging the alleged $ XXXX balance and repo service feesa snapshot of the current credit situation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing Experian to dispute the presence of inaccurate address information on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), Section XXXX. Please note that the following addresses listed on my credit report are incorrect, unmailable, and undeliverable, and I demand their immediate removal : XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX ( Address ID # XXXX ) XXXX XXXX XXXX, XXXX, PA, XXXX ( Address ID # XXXX ) I assert that these addresses do not pertain to me and their inclusion in my credit report is an error. I believe this error XXXX have been a malicious act by an employee named XXXX in the fraud department, following a discussion we had on XX/XX/year>, at approximately XXXX AM. 

As proof of my current residence, I have enclosed copies of my utility bill and state-issued driver 's license, which clearly indicate my actual address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX 


Thank you for your immediate attention to this matter. I look forward to your prompt response. 

XXXX XXXX Enclosures : Utility Bill, XXXX Driver 's License
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

DATE : XXXX/XXXX/XXXX contacted TransUnion for a credit freeze. Talked to XXXX. 
ISSUE/COMPLAINT : TransUnion will not do a credit freeze, unless I send them a copy of my social security ( SS ) card ( via mail/fax ). However, this was not due to TransUnion questioning who I was because during this same call they did other actions for me regarding my information, just refused to do a credit freeze. 

BACKGROUND : Because of the XXXX security breach - my husband and I began the process of putting a freeze on our information with all 3 credit rating companies. My husband 's security freezes all went through. Mine went through with XXXX and XXXX. However, TransUnion will not freeze my account until I send them a hard copy of my social security card. They DID however ( in that same phone call ) put a 'fraud alert ' on the account and changed some information for me that was not accurate ( deleted a name listed that was incorrect ). My complaint is that TransUnion is refusing to do a credit freeze until I send a copy of my SS card : 1 ) I do n't want to send a copy of my SS card info through the mail or via fax, not safe. And, as the recent security breach shows, these companies can not keep my information safe. 2 ) Why should I pay for special handling so they can have a copy? 3 ) they already know my SS #, I had to provide it when I was attempting to do the freeze. Since they already have my SS #, why do they need a hard copy? 4 ) TransUnion did not provide a good clear understandable reason as to why they need this copy of my SS card-they just got irritated when asked this question. The only reason they provided was it was necessary " to update correct information '' ... however ( as I said above ) they already have this information ( my SS # ).
How can a credit rating company refuse to freeze your information until you send a copy of your SS card? I am simply trying to be a proactive consumer and protect myself from the vulnerability that the credit rating industry has potentially placed me in ( e.g., XXXX security breach ). However, the credit rating  industry is making it difficult for me to protect my information by making demands before they will take protective actions and they are not providing a good strong reason for their demands.