davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

I received a letter from Midland Credit Management on XX/XX/2020 attempting to collect payment on a debt it identified as XXXX XXXX XXXX. I sent a letter ( attached ) asking Midland to provide certain documents and to validate the debt. In the letter, I ask that the materials be provided before I engage in further discussions about the debt According to the return receipt ( attached ), Midland received the letter on XX/XX/2020. I have not received any of the requested materials since sending the letter. However, on XX/XX/2020, I received a call from Midland and the gentleman advised that he was a debt collector and this was an attempt to collect a debt. I advised him that I sent a validation letter and had not yet received the requested materials. He simply kept replying " What letter? What kind of letter? '' At which point I ended the call. 

The Fair Debt Collection Practices Act provides that if I dispute the debt within 30 days of receiving the initial letter, and I did, that the collector stop collection efforts unless and until they provide documents validating the debt. Midland violated the FDCP in this instance and should be dealt with accordingly.
Consumer complaint received 2022-07-13
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. (FL)

The debt collector XXXX XXXX XXXX XXXX XXXX is reporting an unpaid collection on my Equifax credit report. I have disputed this collection several tines now with no proper investigation and responding " Verified as Accurate ''. The original creditor waited over XXXX year past the date of service ( XX/XX/2021 ) to submit a claim to my medical insurance under the correct Member ID for payment resulting in their claim being denied as per XXXX XXXX ( XXXX XXXX ) they are only allowed up to XXXX  months to submit a claim. Attached is the documentation from XXXX XXXX stating that I am not responsible for ANY PART OF THIS DEBT!!! I OWE ZERO FOR THIS DEBT!!!
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (OR)

My credit card was declined today at point-of-sale for no obvious reason. I called TD Bank to find out why, they advised me a piece of mail was returned, and subsequently they froze my credit card. 

The returned mail is an issue with the local post office, which I am addressing, TD Bank had my correct address. I am deeply upset by TD Bank freezing my credit card while making no attempt to contact me. This is not a new card, it is a long established one with a positive payment history and zero fraud, so why would they just freeze it without reaching out? They have an accurate phone number and e-mail address on file for me but made no effort to reach out via either.

Their customer service rep was not empowered to offer me any sort of courtesy credit for the inconvenience/embarrassment of the declined card, which cost me real money as I was compelled to withdraw cash from a ATM with hefty conveience fee to complete my transaction. Nor could the CSR assure me that the card would not be likewise frozen in the future, should the post office bounce mail in the future, which seems likely as I have had this issue with other mail and can not promise the post office will fix it in a timely manner.
Consumer complaint received 2020-05-29
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. (FL)

I'm a Victim of Identity Theft. I want a put a fraud Alert On My Credit files ASAP I did not give anyone permission to open any Accounts using my Personal Information these Accounts was open without my Authorization I want them Removed and Block From My Credit Files.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed my account # XXXX for NO reason. I had a lot of activity because I finally received my Pandemic Unemployment and had a lot of transactions in one day. First, they declined every other transaction even though I had thousands of dollars in there. Then, the froze my account because I was using the account as I wished. When I called for the 3rd time, I was told that they just made a business decision to close it without notice. No notice, just locked it and I had bills coming out and direct deposits coming in. Now have to wait until they decide to send me the thousands of dollars in my checking and savings.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX, a federally protected consumer, and I am filling this complaint against all three credit reporting bureau ; XXXX, XXXX, AND TRANSUNION for willfully furnishing inaccurate information to my consumer report. According to Congress, the banking system is dependent upon my consumer report being fair and accurate, and it is not. I have been in correspondence with XXXX XXXX XXXX regarding an account in collections. As of XX/XX/2022, XXXX XXXX XXXX has notified me that they have notified the credit bureaus to delete their tradeline ( SEE EXHIBIT B ). It is XX/XX/2022, and these collections are still reporting across all three credit reporting agencies ( SEE EXHIBIT A ). This is unacceptable and this grave error has undermined my confidence in these companies ' procedures. Not only is this inaccurate information cause my credit score to be decreased, it is INACCURATE!!! This is hindering me from acquiring property and services. This is extremely stressful during this COVID 19 pandemic. As a result of this, I will no longer be extending credit and if this negative information is not removed IMMEDIATELY, I no longer want my information reported in these companies ' databases. And I am fully aware that I have the right to opt out, which disclosure was never given to me ; another violation of my federally protected rights as a consumer. These companies did not exercise their grave responsibilities with fairness and impartiality. Congress has also made it abundantly clear that consumer reports should not include transactions between the consumer and the person making the report and the FTC defines collections on consumer reports as DEBT PARKING. This account should have never been reported to my consumer report in the first place. At this point it's WILLFUL NONCOMPLIANCE. Attached are also my utility bill and drivers license for identification purposes. Prompt response to this grave matter is requested and required.
Consumer complaint received 2020-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

A collection account was removed from my credit report from XXXX XXXX , XXXX and my credit decreased by 8 points. My credit score should have increased by at least 23 points for a collection account being removed from my credit report.
Consumer complaint received 2020-05-24
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. (NY)

I have submitted multiple disputes each time including updates obtained by local police investigation. Adding and attaching more supporting proof to rid myself of the fraudulent accounts. Each time Dates and timelines of the FCRAs guidelines and laws where ignored and disregarded. I have been given half produced results in return and still being held responsible for fraudulent debt unlawfully by XXXX, XXXX, and equifax. With that being said I have now retained legal counsel and contacted the NYS attorney general. My attorney XXXX XXXX informed me that I must give the credit reporting agencies one final chance to correct all and any inaccuracies and block and permanently remove any fraudulent accounts. This is my final attempt and dispute for the agencies to correct this matters before filing my lawsuit to obtain civil and financial justice for the way my rights have been disregarded, economic stress and mental burden that has all weighed on me during my already challenging and uncertain times. If section 605 ( b ) of the FCRA is not upheld and these accounts and inquiries and not blocked and removed permanently, my attorney will be filing and handling all matters from this point forward.
Consumer complaint received 2020-05-30
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

I have filed a dispute In regards to the incorrect items on my credit report. It has been well over 30 days, and I have not received any investigation results.
Consumer complaint received 2019-05-18
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)

XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX   pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXXXXXX XXXX XXXX XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
T
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

For several months I've reached out to the CRA '' S with over 4 letters to remove a bankruptcy from my credit report. The account has not been investigated properly and it was not verified by the furnisher of this information. Public records have to be verified by furnishers of the information as any account listed on a credit report. They have failed in their duty. I contacted the courthouse and I was told - they do not verify with any credit agency. They even sent me a letter to confirm this fact. I have attached a letter to this compliant. Information on my credit report has to be verified with the actually furnisher and not a third party. The CRA 's are using third-parties ; thus, they have inaccurate information - and unverified. Delete the bankruptcy - you are in violation of the FCRA.
Consumer complaint received 2020-05-24
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. (NE)

They are reporting a collection account on my credit in the amount of {$41.00} with XXXX XXXX. I have disputed this debt several times with the credit bureau. However, they are still reporting this inaccurate information The other credit bureaus have updated my report and are no longer reporting this debt.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Catch Financial Inc (FL)

I have happily been Catch Benefits app ( run by Catch Financial , Inc ) for 2 years for my tax withholding and savings, but currently it's holding my money hostage. On XX/XX/2022 I tried to withdraw money to make my quarterly tax payment and no longer had access to my own funds. ( There was some migration and now my account is showing a {$0.00} balance. ) The help desk told me since I didnt upgrade my account by the XX/XX/XXXX deadline that they would have to send me a paper check by mail. Not only did that mean missing the XX/XX/XXXX tax deadline, they also withdrew all the funds from my savings account that I had set aside for my summer vacation which is coming up in 3 weeks. My account is now emptied and still have not received a check. I am getting a different story every week from the help desk. 

It has now been more than 3.5 weeks and this week they are saying I have to wait ANOTHER 10 business days to pass and if I have not received my check, I will need to contact XXXX support team. I dont know who XXXX is. It just feels like they are giving me the runaround. 

I went online to leave a review in the app store and was disheartened to see that there are tons of reviews from customers with the same problem. The same goes for their social media accounts. Multiple stories from small business owners and freelancers whose money they have not returned! They have broken my trust and I would like this claim and this company investigated.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MN)

I was offered a credit card at Best Buy when I went in to purchase a laptop. I was offered a credit card with 0 interest rate for a year. After that year, any unpaid amount would start incurring interest. I made all my payments on time and I kept using the credit card for other purchases. When the promotion ended, Best Buy charged me interest for the year I had the promotion. I called them to figure out why they charged me for the promotional time and they said that was the deal. I offered to pay off the credit card balance immediately as long as they removed those charges/fees. They refused and now they are charging me over {$1000.00} on a {$500.00} credit limit card. This is ridiculous and they refuse to work with me. I called them the same month they added the fees and they refused to help and now they have ruined my credit. I am willing to pay them what I know I owe them but I refuse to let them take advantage of me after promising me a promotion that probably didnt exists.
Consumer complaint received 2022-07-01
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. (IL)

LISTED BELOW ARE ALL UNAUTHORIZED INQUIRES I HAVE INCLUDED IN MY IDENTITY THEFT REPORT WITH THE FTC. 

( XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX ) ( GXXXX XXXX XXXX ) XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX  )
Consumer complaint received 2024-10-17
Product: Credit reporting 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: EQUIFAX, INC. (FL)

I was denied credit by XXXX XXXX XXXX on XXXX, 2024. They listed several credit reporting companies. On XX/XX/year>2024, I wrote each company asking for a copy of my credit report. 
XXXX XXXX will not send me a complete copy of my credit report. They send a URL link that does not work. I want a printed paper copy of my report.

they keep sending form letters.

Please make them send me a copy of my credit report.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XX/XX/2020 I discovered on my Experian credit report that a new negative account had surfaced. It was from XXXX XXXX XXXX XXXX for {$390.00} for a leased phone that Ive never owned. I explained that to the customer service rep and asked several question regarding the validity of the account. The representative repeated my social security number which was incorrect by a digit. After I pointed it out they referred me to Experian to dispute the account. After explaining the error on my report Experian assisted me in filing a dispute claim. Today I received my results of the investigation from Experian as Remains.  Im furious and I dont understand how a fraudulent account in my name with an obvious incorrect social security number can stick???? I feel helpless as theres no way to dispute a dispute. My only option is to make a complaint??? This account destroyed my already fragile credit score and its not even mine! Thanks a lot Experian for nothing & salute to  the crooks at XXXX XXXX XXXX.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: FIRST NATIONAL BANK OF OMAHA (GA)

Notice to Intent to XXXX XXXXXXXX XXXX, You stated in the previous complaint and also attached that my account was sold to you. However, my non-public personal information was sold to you unethically. During this transaction, I was an uninformed consumer. You have defamed my character and the reporting of this account is affecting my livelihood and reputation. In addition, you stated the debt is valid however, my name is not XXXX XXXX as stated on the letter you sent to me that is attached as well. Under the FDCPA and FCRA, the Entire account must ME VALID, ACCURATE, AND FAIR. AGAIN MY NAME IS NOT ( XXXX XXXX ), MY NAME IS XXXX XXXX.
Consumer complaint received 2022-10-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

At this time Toyota Financial is using unfair communication tactics to thwart my dispute against extra charges on an existing auto loan that is outstanding. 

I wrote Toyota a certified USPS letter dated, XX/XX/2022. 

They received that letter on XX/XX/2022, and they have yet to respond. 

At issue, is that Toyota has charged me a total of {$690.00}, in fees that are erroneous and excessive. I can't even get in contact with someone to dispute the fees, or at least, come to an agreement of sorts. 

I owe approximately {$12000.00} on my loan with Toyota Financial, and I am ready to pay off that amount IN FULL ; however, for every single day that passes Toyota increases fees to that amount.

I have tried contacting Toyota on the phone, to no avail. A snobbish person answers the phone and informs me that they are recording the call. In turn, I inform that I also reserve the same right and that I am recording the call. Toyota then hangs up, ending the call ; thus, placing themselves at the advantage of increasing the balance due on the vehicle, which ultimately results in them reporting negatives to the credit bureaus.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (GA)

I sent this company a factual dispute of this peticular account. There are a few reasons I disputed this account. It is not reporting accurately because : XXXX  is showing this account as still open when collections are close-ended accounts, XXXX  failed to verify this account, the account status says not disputed when it is, there is also no date of last payment for statute-of-limitations purposes, and IC systems/ XXXX XXXX did not notify me beforehand that this collection would go on my credit report ( FDCPA section 809 ).
Consumer complaint received 2020-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

Pursuant to 15 USC 1692 I am requesting validation for the following accounts with Nationwide Recovery sv : 1. # XXXX {$1600.00} 2.  # XXXX {$1100.00} 3. # XXXX {$390.00} 4. # XXXX {$750.00}
Consumer complaint received 2023-01-03
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.