davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
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)

A debt collection company named XXXX and XXXX is reporting that I owe {$3000.00} to XXXX. However, I have no knowledge of this debt that the debt collector is claiming I owe. Florida state laws does not recognize XXXX as a licensed company and it is not authorized to conduct business in the State of Florida where I reside. Therefore this debt is invalid and should be removed from my credit report immediately.
Consumer complaint received 2021-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

Company prematurely added and falsely/illegally added a collection account, XXXX XXXX XXXX XXXX ( {$200.00} ), to my credit profiles, without notifying, verifying, or given me a chance to dispute the validity. This company has been trying to extort me for money for years for a bill that is not owed to them, and original creditor has written off and already been paid. 

Company reported this account to my credit profile on XX/XX/2021 ; however, the company reported the account as opened and last reported XX/XX/2021? These shananigans has caused a financial distress to my life and I DO NOT WISH TO DO BUSINESS WITH THEM!!! See attached files. 

REMOVE THIS ACCOUNT FROM MY PROFILE IMMEDIATELY!
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

At the time I believed the scammer was selling a XXXX XXXX for {$500.00} and I saw on his XXXX stories section that there were numerous satisfied customers who had gotten their products. I messaged the scammer and upon sending the payment I was told I would receive a tracking number shortly. However when I later asked for more information and got no response I requested a refund through Zelle but when I informed the scammer of this I was blocked from their account. I have screen shots of the account if needed. Here are screen shots of the chat, proof they blocked me after I requested a refund and the item in post made by the scammer. I have already filed claims with Zelle, XXXX  XXXX XXXX, FTC, IC3 and reported the account to XXXX. currently XXXX  XXXX XXXX is doing an investigation but I was told there is most likely nothing to be done. However I believe that something can be done if these companies act quickly enough
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Curfin Holding Company, Inc (IL)

This whole contract is fraud and needed void! They violated my consumer rights.. also its alot of things they didnt disclose to me as a creditor greater Chicago finance company , also the car dealer XXXX XXXX XXXX they dealt with I will like this contract voided! I also have them in civil court for a lawsuit! Under all violation codes theyve committed!!
Consumer complaint received 2020-12-05
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 have disputed the following accounts directly with the credit bureaus but did not receive any response : 1. XXXX XXXX XXXX  - Account # XXXX 2. XXXX XXXX Account # XXXX Please investigate and delete asap.
Consumer complaint received 2022-08-20
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)

On XX/XX/2022 I disputed by mail the fairness and accuracy of tranunions reporting of several items on my consumer report. In tranunion response they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or tranunion to provide there method of verification for each item ; I requested that tranunion provide the SSA-89 form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and XXXX XXXX that tranunion provide me with proof of my written consent to consumer reporting with tranunion which would also require a SSA-89 form. XXXX never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. 
On XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX that tranunion was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation tranunion is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since tranunion has been in receipt of the four requirements of this section of the FCRA and tranunion has not blocked and removed the items. tranunion has still not provided the SSA-89 form for proof of consent of tranunion reporting of my information nor the SSA-89 forms for each alleged creditor as proof of consent for furnishing my information.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (DE)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CREDIT COLL ( Original Creditor : XXXX XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IA)

I have recently filled out documentation for an apartment. I was contacted by the realtor who explained to me that their were some rental errors on my report. I was told to contest and remove the things on my report so that I could move forward. I tried to contact Experian Rent to get the information such as account numbers and contact information about the items listed. I as told that they don't have any record of the information. This is impeding me from getting a new place for myself and my children. I have spoken to the realty company and they have no way of attaining the information either. I have submitted a copy of the rental discovery.
Consumer complaint received 2021-09-20
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. (GA)

On XXXX XXXX i sent a letter to experian stating that I was victim of identity fraud with the police report attached. It was removed from the other two bureaus but experian refused to remove the items on my report. 
1. XXXX XXXX XXXX XXXX  Account Number : XXXX identity theft XXXX. XXXX XXXX  Account Number : XXXX identity theft 3. I have no acknowledgement of this account. Clearly this company has made a mistake XXXX Account Number : XXXX identity theft I have never heard of this company nor have I ever done business with them 4. XXXX XXXX XXXX Account Number : XXXX identity theft 5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 6. The following account is not mine XXXX XXXX XXXXXXXX XXXX Account Number : XXXX identity theft
Consumer complaint received 2019-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am XXXX XXXX for and by the State of California ( CA #  XXXX ) and am making this statement as a deposition : Today, on XX/XX/2019, I setup an XXXX XXXX payment with Toyota Financial Services ( TFS ) for Wednesday, XX/XX/2019 after telling TFS that I already sent in a payment via XXXX XXXX on XX/XX/2019 for {$330.00}. Also, I have setup another payment with TFS for {$330.00} on XX/XX/2019. In any case, I am tired of talking to people who sound like robots ( which they will probably be replaced with soon anyhow ) who do not really answer your questions and tell you, '' to have a nice day. '' My concern, even though I have a confirmation for bank draft next Wednesday, that TFS is still seems to be threatening me with repossession ( attitude ) ; especially after withdrawing their offer to rest my account to current two months ago ( by putting the two late payments on the end of the loan - my family never got the letter that TFS stated they mailed ). Now that TFS is in XXXX, Texas, they are free from Consumer-Friendly business practices and can essentially threaten and harass consumers as they see fit. Beware!
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (AR)

Yes I called XXXX and Experian CRA and their specialized handling department is never there to answer the phone they put me though several agents who pass me around over the phone just to get to the specilaized handling department and the phones continues to hang up in my face. This means I cant get to anyone to deal with issues i am having with my credit report. I will just pursue legal action. This stems from a letter mailed to Experian and XXXX certified mail ON XXXX XXXX TRACKING # XXXX RETURN RECIEPT which contained all my proof of identity and they sent a stall letter telling me they would not investigate. By law they have to and they will or they will be sued. They ARE CAUSING FINANCIAL HARM TO ME. I have sent the necessary proof of identity theft CONDUCTED FROM XXXXXXXX XXXX, ARKANSAS XXXX XXXX XXXX AND XXXX XXXX  and I DEMAND REMOVAL IMMEDIATELY!!! XXXX has conducted identity theft themselves along with the disputed ITEMS BECAUSE THEY have coerced through the alteration of XXXX XXXX XXXX a flesh and blood person to XXXX XXXX XXXX Entity or Debtor format! The attachment of this entity without any contractual full disclosure or meeting is IDENTITY THEFT IN THE FORM OF POWER OF ATTORNEY OVER MY LEGAL MATTERS IN ORDER FOR THEM TO ALTER INFORMATION THAT I PERSONALY PROVIDED TO THEM IN CONTRACT. XXXX IS TAKING MONETARY PAYMENT TO ILLEGALLY REPORT IDENTITY THEFT.
Consumer complaint received 2019-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NY)

I hereby submit an answer to a lawsuit that is completely baseless. Midland Funding LLC is currently defending against several class-action lawsuits nationally. The lawsuit against me is no different as the original debt in question was never legally transferred from a securitized trust, thus there was never a transfer of ownership. This continuous problem is all predicated from the 2017 Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX. The lawsuit against me must be dismissed by the Midland Funding LLC lawyers XXXX, XXXX XXXX XXXX, XXXX, a law firm that has already been penalized by the CFPB for filing abusive collection lawsuits in New York and New Jersey.
Consumer complaint received 2023-04-05
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. (PA)

I got an alert from my bank about changes on my credit report when I checked my report I found someone has a loan in my name with XXXX and a balance of XXXX this account is fraudulent and does not belong to me
Consumer complaint received 2023-03-08
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

I have been trying for several months to get Equifax to remove the bankruptcy from the credit report. Equifax is showing the incorrect filing date and I'm providing documentation from the bankruptcy court to  show that the information filed is ten years old and should be removed from my report. XXXX  and XXXX have already removed from the credit report.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

There is a fraudulent collection account on my credit report from Portfolio Recovery Associates, LLC. I do not own this debt under any circumstances. I have disputed this debt multiple times, requesting the company to provide adequate documentations of this account. On XX/XX/21 I CERTIFIED mailed out a Validation/Verification letter requesting proof of my signature on any loan contracts or original documentations. The ONLY documentation Portfolio Recovery is willing to provide is a credit card statement which is insufficient proof considering there is no original information about the account. 

Without sufficient documentation from the Debt Buyer, I am demanding that this account be removed from my credit reports. This account was successfully removed from XXXX but not XXXX and XXXX. These two credit bureaus must remove this debt from my credit report if the Debt Buyer can not not provide sufficient validation of debt. 

How is a simple credit card statement from the Debt Buyer valid enough proof to keep a debt on my credit file? Shouldn't there be more sufficient documentations required from the credit bureaus in order to adequately validate a debt?
Consumer complaint received 2020-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (SC)

SEQUIUM ASSET SOLUTIONS a collection agency is attempting to collect on an alleged debt in the amount of {$280.00} for their client : XX/XX/XXXX. I have no knowledge of this account and never received written notification from SAS prior to them placing this invald information on my credit reports without due process ... .process XXXX include my rights as a consumer pursuant to the FCRA , FDCPA and the Fair Credit Billing Act. As well as the HIPAA Act I never received written notice of this alleged debt nor did I receive a notice of right to dispute which is my rights as a consumer under federal law. And agency has placed derogatory information on my reports as valid when in fact it was never validated is being mine
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (VA)

Per my contract I am asserting my rights as the debtor. 

1. The finance charge of the consumer credit transaction is the sum of all charges. 
2. The debt was paid full at the time the instrument ( promissory note ) was signed by I, the consumer and authorized representative. 
3.The Authorization to charge credit card for payment of membership ( not a loan ) financing and/or payment of maintenance fee is an invalid contract, one autograph is not a valid execution of a valid contract and the By line at the bottom is missing a signature.It must have an autograph from the consumer/debtor and the creditor. 
4. The promissory note for this consumer credit transaction is null and void ab initio as it has no wet ink autographs on the signature line from the debtors and there. 
5. The downpayment is a violation of TILA and the downpayment should have satisfied the contract in full.

6. The Preliminary Credit Rating Request Form was only to obtain any legally attainable credit information. It didn't give the creditor the right to share my private information with anyone. That is a violation of the privacy act.

7. If this is a debt, all debt are obligations of the United States.

8. Any contract that uses Federal Reserve Notes for payment becomes colorable because Federal Reserve Notes are colorable negotiable instruments and therefore the contract becomes colorable.

9. Please show I, the consumer and debtor and authorized representative for the person, where through forensic accounting, I was " loaned '' something by the creditor, that the creditor had to give away.

10. The Vacation Membership purchase agreement CP16276 is void ab initio as well, no signature from the creditor on second page 11. Purchase Agreement Exhibit A, B, C is void, no wet ink signature from the creditor.

12. Exhibit D Regular is void ab initio for lack of wet ink signature from the creditor.

13. I am giving Monterey Collection Services one more chance to apply the remedy or see 15 U.S.C 1611 and 1692k for civil liability.

See Points of Authority and Definitions in attached document
Consumer complaint received 2019-05-05
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. (CT)

I had an account with XXXX XXXX XXXX XXXX. The vendor, XXXX XXXX, in XXXX, did not complete the job I paid for and cause additional damage to the transmission. I had to have the job re-done at XXXXXXXX XXXX  XXXX in XXXX, and the owner agreed to supply me with a letter stating the damage was caused by XXXXXXXX XXXX mechanic. I submitted the documentation and asked for the charges to be reversed as per my contract. XXXX refused, so I disputed the charges. On XX/XX/2018 I settled with XXXX through XXXX, XXXX 's collection agency, who agreed to list the account as " paid in full, '' without any derogatory comments, including the account having been settled or any monetary amounts having been " written off. '' At the time, I needed to have the account cleared per the requirements of my mortgage company who was financing my new home. 

I have a voice recording of the conversation with the agent from XXXX who agreed to these terms, and a letter from the collection agency, XXXX, stating these are the terms. 

XXXX has assured me that all the credit bureaus were notified of this update, but all three credit major credit bureaus ( Experian, XXXX, and XXXX ) all have inaccuracies still listed.
Consumer complaint received 2023-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC. (TX)

Beginning XXXX I've been unable to withdraw funds I deposited into my Robinhood account. I've contacted Robinhood via phone, chat, and email only to be told that the issue needs to be escalated. I requested that my funds be released so I could simply close my Robinhood account. I'm still waiting on a solution. One representative I spoke to informed me that the issue was that I accessed my account in Georgia and that's was started the restriction bei g put on my account. I told him I am military and frequently have to travel. It's none of Robinhood 's business where I do and don't travel and access to my funds shouldn't be determined by that. I've been told via email that my situation is being handled but here it is XXXX and I still do not have access to my funds. Some days I log into Robinhood and see no restriction tag but others, it's there. I just want my money, and to close my account but it seems like im.getting the run around.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am my XXXX year old mothers Power of Attorney. On XX/XX/XXXX my mothers Capital One credit card was used fraudulently and was reported on the same day. It took 2 days to receive an email with a link to upload Power of Attorney to allow me to deal with the fraud. The Power of Attorney was uploaded XX/XX/XXXX and 11 days later they still refuse to speak to me regarding the account and have taken no noticeable action or have removed the charges. They appear to be continuing to charge interest on the fraudulent charges. The local sheriff 's office has asked for any relevant case # being investigated by Capital One in order to proceed with their investigation but Capital One refuses to take action. The supervisor, XXXX, said they were busy with other customers and refused to provide any method or the name of any governing authority to whom I could contact about the issue.
Consumer complaint received 2020-12-05
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a balance of {$0.00} -This is not my account.