davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (CA)

These are unauthorized inquires that I do not recognize. 

XXXX ( XXXX ) Inquiries in Total : ( XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Please note inquiry date XXXX appears twice on my consumer credit Transunion report ) ( XXXX XXXX XXXX XXXX ; XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX )
Consumer complaint received 2021-05-22
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: CREDIT ACCEPTANCE CORPORATION (OH)

credit acceptance corporation paid off why is it still showing take it off XX/XX/XXXX - XX/XX/XXXX XXXX is closed take off XX/XX/XXXX closed XX/XX/XXXX To Many Inquires showing They need to be taking Off As Well any Bad Charge-off showing
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (GA)

I have informed XXXX on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed items that have been reported on my credit profile may be a result. I have no knowledge of these items or accounts as they are redacted, and I have also requested proof of the verification method XXXX has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor PHEAA to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with PHEAA my desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609
Consumer complaint received 2017-12-05
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 (SC)

I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I have tried over and over calling, and emailing this seller, and have asked for a tracking number, and no response or reply. This is so hurtful my niece really wanted this doll and though I couldn't afford it I'm on SSI and XXXX I said I have to get it for her because her [ parents are on drugs and don't buy her anything.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (WI)

I was issued a Visa prepaid card from PNC Bank on XX/XX/XXXX for {$200.00}. The expiration date on the card is XX/XX/XXXX. Before I could use it, on XX/XX/XXXX they closed the account and charged the {$200.00} in fees as an administrative adjustment. I called them multiple times after trying to use the card and was told there was nothing they could do and I was out of luck. They told me to refer to the terms and conditions of the card. I still have the terms and conditions, they state : The Card is valid until the entire value of the Card has been used or until the expiration date on the Card, whichever occurs first. Any funds remaining on the Card do not automatically expire on the date of Card Expiration. 

Seeing as how I didn't have a chance to use the card while it was still valid, I would expected to receive the funds I was issued. They told me they didn't have an address on file to send a check, when in fact they sent out the original card.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (KY)

We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, XXXX, and Experian in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.
Consumer complaint received 2020-09-12
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)

XXXX continues to report inaccurate information to my consumer credit file. When I log in to XXXX XXXX XXXX the account immediately reflects a balance of {$1300.00}. XXXX continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. I reached out to XXXX again today with my supporting documentation and XXXX ignored their very clear balance errors they instead responded by saying to call XXXX. I have attached supporting documents and have disputed the multiple errors that XXXX has reported on my account with Transunion several times. Under the provisions of the FCRA Transunion has a duty to ensure that the information being reported to my consumer file is accurate. XXXX is also reporting a XXXX late payment that is not accurate.
Consumer complaint received 2021-02-09
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. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2020-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

it Cards Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tip XXXX new inquiries have been placed on your credit report. 

all ftc violatons enclosed
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00}.
Consumer complaint received 2021-02-09
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. (CA)

Appearing on Experian and XXXX  is XXXX. XXXX .XXXX  account XXXX. 
The balance on this account is XXXX dollars not what is being depicted. 
Experian automatically says the dispute is frivolous and won't allow a dispute..Experian breaks the law the FCRA in this regard.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

Hi, my name is XXXX XXXX and, This third party company racked up a new debt against me after they garnished everything they never closed the debt, it was removed from my credit report also after it was paid now they are saying I Owe them a new debt of XXXX $ this is wrong they already took everything. The company is Kimball, Tirey & St.Johns LLP. Im single mother of XXXX, and Im struggling they knew this and they are taking advantage of my Situation. Please if theres any way to resolve this my email is XXXX I would like to put an end to this best for once and all. Thank you.
Consumer complaint received 2017-05-24
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. (MI)

XXXX   XXXX  is reporting on my credit reports on all   XXXX   bureaus as if I owe them money and this account was established in  2016.  I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from a ll    XXXX   bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.
Consumer complaint received 2018-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

Hello Sir/Madam, I usually shop in XXXX an app which is used to buy and sell stuff. I found a bag that I am looking for and asked for the price and agreed to pay. The seller doesn't want me to use the app hence asked me to pay her through XXXX and I asked her for the protection she told me that I can file a claim to for fraud to receive money. We had an agreement and we had a conversation on my phone with some pictures of the product, I don't have any information about her except her name and contact number. She initiated the funds as a invoice that how I came to know her name. She initiated the funds for 2 times the first time she sent me a request for an amount of {$600.00} and the second time she initiated for {$450.00} as we agreed.I will attach the phone conversation that we had below. The amount i transferred {$450.00} on XX/XX/18. As soon as she received money she stopped responding to me and blocked my number. Only hope I had is from my bank which is Citibank, as my transaction shows its pending I called them on the same day and submitted a dispute. I haven't got any response from them yet.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (NC)

On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over a month and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 30 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Consumer complaint received 2021-02-09
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: General Motors Financial Company, Inc. (OR)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMERICREDIT, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Choice Credit Management (KY)

We signed an agreement, with First Choice Credit Management, to pay four different debtors. We agreed to pay, {$170.00} dollars/monthly for thirty two months. It started on XX/XX/XXXX. It ended on XX/XX/XXXX. They promised that all the debts would be paid. They settled with three, of the debtors, and told us, that the fourth debtor, would be paid too. We started getting letters, from lawyers, who the fourth debtors, got to help them collect their money. We called and told First Choice that the lawyers, were calling us. The First Choice team, said dont worry about the calls, because they were going to get it settled. They told us, we did not owe, any more money, which is what the agreement stated. They ended up not getting the last debt settled, and sent it to another debt management company. The new company wanted four more payments, from us. We said no, because that was not part, of the original agreement. We had to take the balance, that was left, in my wifes account, and we are paying the debt back ourselves. We are very unhappy that they did not fulfill their commitment and were untruthful to us. We dont want anyone else, to have to through this nonsense. I called them several times and they never returned my calls. I wanted to speak, with a manager, and they did not see fit to call me back.
Consumer complaint received 2017-12-05
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: Experian Information Solutions Inc. (TX)

I have contacted XXXX ( XXXX ) and XXXX ( XXXX ) they have removed the additional hard inquiries from my report. Experian ( XXXX ) will not even look at them and several of them are duplicates. They refused to investigate until I get a letter from the same company I did not give permission to pull my report. 

Experian has ( XXXX ) different hard inquiries on my credit report that are not accurate.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (KS)

According to all XXXX credit report they have XXXX XXXX XXXX MA XXXX associated with my credit report and in 44 years I have never lived in MA. Therefore I like it investigated and also on XXXX and XXXX Reports they say there is a mortgage in my name associated with this address and I have never opened a mortgage.
Consumer complaint received 2018-03-27
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. (FL)

I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXX Act # XXXX, XXXX  XXXX XXXX  Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.
Consumer complaint received 2017-12-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I check my credit scores via XXXX XXXX, XXXX XXXX and Equifax have arbitrarily and with out just cause lowered my credit scores XXXX by 38 points and Equifax by 51 points. I have recent inquiries and am update on all payments. They refuse to take my dispute.
Consumer complaint received 2017-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (GA)

I disputed information on my report that I belie ve may not  be correct. Certified letters were sent and received by the company on  XXXX   XXXX  and  XXXX   XXXX . The company failed to mark this account as disputed within the 30 day period. They have violated the FDCPA and FCRA.
Consumer complaint received 2022-10-05
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)

I have had multiple inquiries and accounts appear on my reports that are not mine. At least 2 accounts and 16 inquiries were not opened or made by me. I have submitted my information and reports for your review.
Consumer complaint received 2015-07-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (NY)

I called Ally Financial multiple times during XXXX XXXX and XXXX to discuss my account and the impacts of being near XXXX days delinquent. I went online to make a payment, and submitted on XXXX XXXX, so I would not have my credit hurt. Upon going online I found Ally offered no disclosures about payments made on the weekend. Speaking with an agent she noted my account to which I received a call on XXXX XXXX only to be told my account was past due since XXXX 2015. The XXXX agent I spoke with showed my credit file was not updated and I would not be reported as being XXXX days past due since a payment was made. I received notification from XXXX XXXX of new reporting information, which was a delinquency reporting from Ally.