davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
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. (AZ)

XXXX XXXX XXXX Attention : Experian This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XXXX Made with : Experian Made by : XXXX  Made on : XXXX Made with : Experian Made by : XXXX XXXX  Made on : XXXX Made with : Experian Made by : US Sm Business ODA Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXXXXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX XXXX XXXX Made on : XXXX Made with : Experian
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021 I received an Alert About an Inquiry from XXXX.. I DID NOT AUTHORIZE THIS INQUIRY., And Cleary this is Identity theft / fraudulent use of my credit information, I immediately called XXXXXXXX XXXX Fraud Department on XX/XX/2021 @ XXXX Eastern Standard Time and spoke to XXXX Located in the XXXX who is a Fraud SpecialiXXXX who gave me the reference number of XXXX .. I again called on Friday, XX/XX/2021 @ XXXX Eastern Standard a time and spoke to a one XXXX Representative from the Fraud Department by the name of XXXX XXXX located in the XXXX and he noted they will delete the Inquiry from my three credit files. And a letter will be sent out to me in 7-10 business days..
Consumer complaint received 2021-08-02
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: Resurgent Capital Services L.P. (NJ)

I have previously filed a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX. This complaint is against XXXX XXXX  and their reporting of 4 Fraudulent accounts being reported to the credit bureaus. I have provided all documentation I can provide to the best of my ability and after my complaint there was no resolution to the accounts being reported. 

I am a victim of Identity theft and I first contacted XXXX XXXX  regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX ( this individual was a family member who resided with me for a period of time ). They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX  and XXXX  have honored my claim but XXXX  has not. I contacted XXXX XXXX  again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by XXXX  to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to LVNV Funding LLC and all three credit bureaus are currently reporting this account as a collections account.

Please also keep in mind the 3 remaining accounts on XXXX  are reporting charged off every single month for the last year which is a violation of the FCRA.
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Been threatened multiple times of lawsuits. Challenged multiple times the debt for accuracy never received any kind of documentation stating that these debts are mine. Try to make a deal with one of the companies followed my end of the bargain they did not follow theirs. Even the ones that resulted in the deletion on my credit somehow reappear. These companies are definitely violating the rules.
Consumer complaint received 2023-10-03
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (AL)

I have a credit card with Navy Federal Credit Union. I have multiple ( 20+ ) fraudulent charges from a company called XXXX XXXX. I have been trying to get this resolved with my bank since XXXX  but they keep denying my claim. Navy Federal told me it was a money order company overseas. I have contacted XXXX XXXX but I never can get in touch with a person. 

I am not sure what else to do. My father advised me to submit a complaint to you and if that doesnt help seek legal advice. 

Thank you for any help you can provide. 

XXXX XXXX XXXX
Consumer complaint received 2019-05-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On XX/XX/XXXX I contacted Toyota Financial to see if the dealership had notified them that I returned the lease. The agent I spoke with told me they had not and I inquired about the disposition fee to which the agent told me " If you are billed for a disposition fee please call us and we will waive it based on the account history. '' XXXX comes around and I received a bill for over {$800.00} which Toyota Financial informed me consisted of the disposition fee and charges for tires. I replaced the old tires with brand new tires the day before I turned the lease in and when I told this to Toyota Financial they told me the charge was because the doughnut tire did not match the rest. They agreed this did not make any sense and agreed to waive the tire charges. However, they would not work with me when I attempted to discuss the disposition fee I was told I would not owe. 

Since then I have called back numerous times trying to speak with a manager/supervisor to which I am told none are available and they will not allow me to hold to speak to one and refused to call me back. I have repeatedly informed them of the conversation I had with their agent of XX/XX/XXXX and they do not care. 

I attempted to call today XX/XX/XXXX and was told that they can not pull the call I had with their agent on XX/XX/XXXX because it was with their customer service department and not their lease end department so there is nothing they can do. 

I informed them I am willing to start paying $ XXXX/month on this account as money is tight for me. They advised me I can pay that amount, but when the account is reviewed it will be sent to collections because their monthly minimum is $ XXXX/month. I work in XXXX and to the best of my knowledge it is absolutely illegal to send a customer who is making payments to collections and accounts can not be reported to a consumers credit when payments are actively being made. I relayed this information to the agent and she held firm with her $ XXXX/month or else I would be sent to collections. I wanted to get her saying this on a recorded line so I informed her she was now being recorded and she told me that she will not speak to me on a recorded line and eventually hung up on me. 

Toyota Financial is constantly calling me on auto dialers and when I answer they just hang up on me. Toyota financial is completely unethical and not customer service oriented. I and my family have owned Toyota 's since the early XXXX XXXX. We definitely will not be working with them again.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2021, i received three emails from TD Bank regarding the opening of a new checking account. I did not open a TD Bank Checking account.

I then called the customer service number after confirming online the number from the emails matched the actual customer service number. Took forever to navigate because there are no options for those who are victims of fraud. Eventually after jumping through many hoops i was able to get transferred to a representative. The wait time was 15 minutes, which was fine considering fraud was involved. I spoke to a nice young lady who was empathetic to my plight. Sadly, she could do nothing and had to transfer me to the " fraud department ''. She politely informed me that the wait time was 40 minutes. I said that it was fine 40 minutes was not the best number but I was concerned about fraud.

2 hours later, with my total wait time over 3 hrs i finally was connected to the fraud department. They filed an id theft report, told me they would investigate but gave zero time frames. They protect the fraudsters by not giving me what address they used or phone number. 

I want this account closed. I'm not surprised the fraudsters chose TD Bank with all the gaps in there processes. I was told the freeze my reports but how does that stop someone from opening another checking account? The answer : it doesn't. There are no protections for consumers in this line of business. 

As the true consumer, who can prove there identity, its left out of my hands. I can prove who i am, close the account as i requested. There are so many things wrong with the TD Bank process : 1. No indication to consumers how long they will wait on hold. Just endless loops of music with stops that give the consumer hope someone might be connecting.

2. They let fraudsters set up accounts with zero verification. Drivers license? SS Card? none required by my observations 3. Front line customer service reps should be able to shut down accounts and provide the information that i gave to the " fraud department ''. Nothing i gave the fraud department a front line rep couldn't get or take care of. 15 minutes vs 3 hrs. Unnecessary.

4. The consumer is at the will of the bank. Will the account be closed? Why can't i provide proof of who i am? All the pain and suffering i must go through waiting and waiting for an answer. Close the account if i can prove who i am. Can't be that hard if i have to wait 3 hrs to talk to someone. Give me some time back that i gave you?

Again close this account. Now. Not 15 days from now. If it takes more than 24 hrs, i will seek out what legal action i have available to me, at minimum i will sue locally for XXXX dollars.
Consumer complaint received 2021-08-02
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. (TN)

I spoke with a rep by the name of XXXX on XXXX XXXX about service collections that I had with your company. During this call I was advised if the debt was paid in full A correspondence would be sent by the following Monday to all credit bureaus to remove all debt. I was advised that all calls were recorded and monitored so please pull those records to reflect what was stated. I was also told that I would received this information in a letter within a week and to this date I have not received any communication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I paid the following debts on XXXX. 

{$340.00}, {$75.00} & {$50.00}. 


However my report has been update and the debt still remains as paid. Please be advised that I am requesting that these items are removed immediately. I have attached the companies reponse stating that they requesting that all three credit bureaus remove the following accounts from my credit files on XXXX XXXX XXXX Account numbers XXXX XXXX
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX This company is listing a collection on my account that was previously removed by the original creditor. 

XXXXXXXX XXXXXXXX XXXX  with account # XXXX was deleted from my file. 
now it is being listed under XXXX XXXX XXXX  with an account # of XXXX. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. 

They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent. This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (FL)

I have a charge for {$440.00} from Southwest credit systems for XXXX for an account that it claims I opened XX/XX/20 that is showing up on my Credit report with XXXX and XXXX. I just called XXXX and they said they do not have any information on this charge. I disputed it on XXXX a couple weeks ago but I haven't seen anything done as of yet.
Consumer complaint received 2021-08-02
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: CCS Financial Services, Inc. (OH)

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : CREDIT COLLECTION SERVIC # XXXX XXXX  XXXX  XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX/XXXX  # XXXX
Consumer complaint received 2022-06-11
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX  XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-03
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: World Acceptance Corporation (TX)

I have contacted XXXX numerous times after numerous times. I submitted a FTC AFFIDAVIT WITH ALL REUQIRED DOCUMENT INCLUDED. I am a victim of identity theft, someone used my personal information for personal gain. 

XXXX latest report deleted everything but refuse to delete the collection accounts on my credit which is also fraud and unauthorized- WORLD FINANCE CORPORATION REFLECTING AS A CHARGE OFF ON MY CREDIT WHICH IS INCORRECT. I also contacted creditor and submitted etc affidavit to World Finance as well. XX/XX/2021 XXXX XXXX XXXX- ORIGINAL CREDITOR XXXX XXXX XXXX - THIS IS A FRAUD UNAUTHORIZED ACCOUNT THA T WAS NOT AUTHORIZED BY ME ON MY CREDIT REPORT THAT SHOULD BE REMOVED IMMEDIATELY. I ALSO CONTACT CREDITOR AND SENT FTC AFFIDAVIT TO THEM AS WELL XX/XX/2021
Consumer complaint received 2021-08-02
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: Village Capital & Investment LLC (GA)

Without my permission or being contacted in any form or fashion, XXXXVillage Capital pulled my credit report ( HARD ) on XX/XX/XXXX, by this company. I did not request a pull of my credit report for a mortgage, and this is FRAUD. When I tried to call the company, the 866 number would not go through, and I tried multiple times. I called the next number I found on their website and never could reach a live person to speak with about the false and unauthorized pull of my credit report. The inquiry is showing on my credit from all three bureaus. I have put a fraud alert on my credit report through XXXX  and XXXX. I want it removed from my report ASAP from all three bureaus as it affects my credit and states it will not be removed until XX/XX/XXXX. Further note, I never contacted this company or any other company about refinancing my mortgage at this time. 

Company information : XXXX/Village Capital & XXXX / Mortgage XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I tired to remove Hard Inquiry XX/XX/21, It should have dropped off XX/XX/21, and they told me it would be next month before it drops off, that is 25 months, Hard Inquiries should drop off 24 Months, which is XX/XX/21, I only have 2 Hard Inquiries and this one should drop off and not show on report,. and when i checked it shows 2, should only show 1,
Consumer complaint received 2021-08-03
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: Experian Information Solutions Inc. (CT)

XXXX XXXX Student Loan on my Experian Credit Report Has is outdated and as per FCRA guideline it should have been removed of my credit in XX/XX/2021 but it is still on my credit. I have spoken to agents at Experian several times and they have been unwilling to delete this from my credit report. I have also contacted XXXX XXXX to stop reporting it to my credit report but they have also been unwilling to cooperate and are bent on continuing to violate my rights. 
As you will notice in the attached documents. XXXX XXXX willfully and intentionally reported inaccurate information about the initial date of delinquency in an attempt to circumvent the law and try to keep reporting this loan on my credit report longer than the law allows them to and this has hurt me financially for every month it was reported on my credit report beyond the 7 years the law allow it to be reported
Consumer complaint received 2021-08-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed inaccurate information on my credit report to XXXX, XXXX, AND TRANSUNION and they have failed to comply with my request and have not responded to any of my letters for over 60 days!