davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 2023-01-12
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-03-01
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: TD BANK US HOLDING COMPANY (MI)

Paid off debt in total to Target National Bank approximately 7 years ago. I never heard anything more from Target National Bank. 
Received a Form 1099C this year, indicating that the debt had been cancelled and that I had to claim as income on my taxes. 
Contacted them to correct this error. I have not received a reply by mail or phone and tax filing date is a month away.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (TX)

XXXX XXXX, XXXXXXXX XXXX and XXXX, are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXXXXXX XXXX, XXXX or XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kubota North America Corporation (NY)

hi i called the company and told them i could pay on the 4th but my bank account was stolen thy said that kubota took back the account i called kubota thy said we dont have the account avanta usa had it i was told by andrew at avanta no thats not true kubota took account back so know one knows whare the account is im trying to take care of the account my uncal co signed for the loan his bank said that kubota took XXXX out of his account to pay the loan both kubota and avanta usa said no check was cashed but he has proof from his bank the bank going to send proof to kubota and i have an email i owe XXXX from kubota i sent to kubota as proof and avanta is saying XXXX or will repo it next week thy never tryed to contact me or i would have taken care of this matter i asked what number thy tryed calling and the numbers thy called was not mine and i asked them to call kubota to get the right in fo and somone droped the ball boy he got mad at me on the phone and stated not our job and we will not contact them for the info and we will repo in next week after all this even know thy made a mistak are un willing to correct it myself and my uncal have spoken to both companeys 3 times and can not get this corrected
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it More so, they didn't follow the proper five validation procedure which makes this an unfair practice.
Consumer complaint received 2023-01-12
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: HYUNDAI CAPITAL AMERICA (CA)

I have loan with HYUNDAI CAPITAL AMERICA. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}
Consumer complaint received 2023-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

provide me with the signed contract authorizing you to report your private personal information to a third party., you are in violation of 15 USC 1581 section 1666b as well, it states creditors ( financial institution in this case ) cant treat payments as late for any reason unless you notify me that Im about to be late 21 days BEFORE your my due date, which you havent done remove all lates now.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

i have tried multiple times to pay off this card and close it and they keep adding fees to close acount and this fee and that fee just recently my payment was due on XX/XX/XXXX i paid it on XXXX third more then amount asked for and they charged me a late fee on the third for a payment i made on third i called again trying to pay off this account mind you its a XXXX credit card i have been told they are having trouble and cant close it at this time again now they are saying they want all these fees for closing account when all said and done they wanted XXXX bucks when card is only for XXXX credit and i have available credit on it so balance is under XXXX dollars i need help the fees im being charged are uncalled for and all i want to do is pay it off and close it but they keep making it a night mare capitol one credit cards are ripping consumers off with un necessary fees and
Consumer complaint received 2023-03-06
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. (MI)

Someone other than me tried to open a store credit card in my name through XXXX, XXXX XXXX, XXXX and XXXX. I believe only the XXXX XXXX charge was accepted, and that card was used for over XXXX dollars. The other cards were rejected but I have hard inquires on my credit report that were not started by me, and are fraudulent, and I would like removed. Experian and XXXX require me to report these fraudulent inquires before I dispute them with them. 

I have spoke with XXXX XXXX and their fraud department is handling that account. I will call XXXX XXXX, XXXX, and XXXX tomorrow to alert them to this fraud as well. 

I am taking action to freeze my credit reports with all three to avoid this fraud in the future.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I sent a loan payment to Specialized Loan Servicing and instead of applying my payment to my loan the company ignored my payment and did not apply the payment to my loan. I then tried contacting the company to get this matter corrected. I spoke to a customer service representative for SLS - XXXX XXXX - who told me on XX/XX/2020 that she had corrected the problem. She said she would send me a " confirming Email ''. Instead of receiving an Email from her documenting the " corrected problem '' XXXX sent me another third party borrower 's private documents and information. Come to find out, XXXX never corrected my problem. The loan payment I sent to SLS in XXXX, 2020 has still not been credited to my loan.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Collections U.S.A., L.L.C. (FL)

The apartment complex where we lived before our current address sold a debt to a collection agency related to the rental agreement for the apartment. This contract was in my name and my husband 's name. The amount is XXXX for alleged unproven damage to the apartment after the lease ended. The collection agency is attempting to collect the full amount of the debt {$1200.00} in double form. XXXX to my husband and XXXX to me. And reported this debt to all three credit bureaus as two separate accounts when it comes to a single lease signed by my husband and me. I have disputed this error in the three credit agencies without success, this debt remains in my credit history in the three agencies. 
My husband did too, XXXX removed the debt from his credit history, but the other two agencies XXXX and XXXX did not. 
The document that the collection agency sent to support the debt is only in my husband 's name.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an 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 or 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-28
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: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX  XXXX   XXXX  , OH XXXX
Consumer complaint received 2020-05-28
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: CBC Companies, Inc. (OH)

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-01-12
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account TOYOTA MOTOR XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

TOYOTA MOTOR XXXX XXXXXXXX Open Date XX/XX/2013 Balance : {$8700.00}
Consumer complaint received 2020-05-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion, XXXX  credit freeze I applied for XXXX  settlement which they said was $ XXXX $ XXXX I never received my settlement check
Consumer complaint received 2020-05-27
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. (GA)

Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as XXXX XXXX has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage XXXX XXXX XXXX.
Consumer complaint received 2023-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

I sent letters to the company to dispute this on my credit report in XX/XX/2023 and XX/XX/2023, also. sent dispute letters to all credit bureau nothing from either of them following my letters.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC (TX)

The accounts listed are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (RI)

I went shopping at XXXX back in XXXX of XXXX. The cashier tried to push a TJX rewards card on me, which I was not interested in. I made a {$40.00} purchase at the register and the cashier had signed me up for the card ( without my consent ). I did not realize this {$40.00} charge was applied to an account that I never agree to open, nor did I ever receive a hard copy of the card or a letter from the credit card company. 

I only found out I owed late payments when I did a credit report in XXXX of XXXX. At that point I called the credit card company, they agreed to waive the late fees and they took payment in the amount of {$55.00} ( which included interest from the principal purchase ). 

In XXXX of XXXX, my credit report was showing more late fees owed. I called TJX card services on XX/XX/XXXX and they said they had record of my call in XXXX and record of the fees being waived. HOWEVER, they are claiming they did not receive my payment of {$55.00}, as the call was conveniently " disconnected '' according to their records. 

This company is fraudulently charging me late fees and is not allowing me to pay my original bill ( which was never consented to nor was made clear that an account was opened with a bill ). They are making it very difficult to resolve this issue, I have spent dozens of hours talking to people at the company, repeating the circumstances, and no one seems to have the authority to waive the {$150.00} of fraudulent late charges. I highly recommend anyone who shops at TJX stores to reject any credit card pushed on them at the register, and also make sure they didn't sign you up without your consent. 

I am taking them to small claims court, I have wasted lots of time on this matter but I refuse to pay 5x the original principal because this company are frauds.
Consumer complaint received 2023-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc. (SC)

I had deposited XXXX and XXXX into my money lion account. I purchased XXXX of that money into crypto current and I also spent XXXX XXXX on XXXX XXXX. My other purchase was XXXX XXXX  for a car payment and another XXXX XXXX  loan payment and also a XXXX XXXX gas station purchase. My account was closed and my funds were put on hold. I was contacted by the bank to provide proof of income and provide my drivers license and a bill of my address. I provided all of these documents and everytime the bank keeps asking for additional information. The second time the bank asked for the person name who sent the money and my relationship to them with that persons ID. I sent that and today i received another email from them asking me to provide more information. I have had numerous bank account and its never been this hard to get my own funds from an account. I will like to report this banking company and I will like my funds to be released expeditiously because this process has put me and my family in a financial burden. I have XXXX XXXX in my money lion account that i currently cant utilize.