davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but to no avail. These inquiries are entirely unrelated to me and I am not accountable for them. Their presence has resulted in considerable emotional and financial strain. As an identity theft victim, I may have to resort to legal action if this matter is not properly resolved. These erroneous and fraudulent entries on my consumer report have obstructed my plans to purchase my ideal home and provide for my family 's necessities. The effect on my financial health has been profound. For your reference, I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and seeking a resolution.
Consumer complaint received 2021-03-08
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. (LA)

I recently started to monitor my credit with extra time on my hands this year with me not being employed and i noticed someone has stolen my identity i have several fraud accounts in my name i have tried getting this matter resolved with credit agencies and they are no help please help me
Consumer complaint received 2020-11-19
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: Credit Technologies, Inc. (FL)

On XXXX XXXX, XXXX, CREDIT TECHNOLOGIES INC. add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

i sent a letter to midland credit management on the XXXX of XXXX and hasn't received a response to this letter : XX/XX/2021 MIDLAND CREDIT MANAGEMENT , INC ATTN : XXXX CALL, XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$310.00} Dear MIDLAND CREDIT MANAGEMENT, INC : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney. 



cc : Consumer Financial Protection Bureau via fax XXXX
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I went in to get an oil change and they told me my XXXX  XXXX XXXX XXXX had a broken rear axle and they couldnt let me live with it because Id be liable so they offered to let me buy a new car its owe me a new car the contract fell through then they made made me sign a contract and I refuse to for two months The anti-stop doesnt work Ive been in two accidents because of it they refused to fix it they refuse to talk to me it will only talk to my ex husband thats not on the loan
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Extremely Urgent!!!! Recently Mutual of Omaha Bank was bought by CIT Bank. We are a management company and had many ( 40 plus ) bank accounts that CIT took over as part of the purchase of XXXX XXXX. At first we did not see an issue with this for our clients and were more than happy to allow CIT to take over the banking relationship. However, things did not and have not gone well. They have messed up more times than i can count, have cost our clients money by not handling CD 's and other money market accounts such as ICS accounts, and most importantly they have cost my company a ton of money, time, resources and stress. When they cause an issue and we bring it to their attention they do not respond. My accounting staff and myself have reached out to them multiple times in good faith to encourage a response and that they would step up and work with us. Recently they invested a clients money into a multi tiered CD program through CDARS without their proper approval and now have locked up their funds that they will need liquid for several large expenses coming up. We are talking about millions of dollars that they have locked up. We engaged them many times to work with them in trying to either reserve this error and find out another way to resolve their liquid money issue. But once again, they choose not to respond or work with us to resolve this issue. Despite multiple attempts. All our clients are extremely upset and frustrated with CIT bank and have now asked us to move their funds to a new bank. I am extremely worried that they will not act in good faith as they have shown me that they do not care about their clients. I am worried that they will either just close the accounts and not work with us in a professional manner and within a reasonable time frame to open new accounts at another banking institution. Leaving all our clients is an awful position as they will not be able to accept payments from owners for their HOA 's dues and will be unable to pay their vendors. Thus casing major chaos! Our clients are non-profit organizations that are ran by owner volunteers and do not deserve to be treated this way or placed in this position by CIT bank. Without your help i do not know how this might play out since they have choose to ignore us and have been unwilling to resolve our many issues. And now that we are closing the accounts with them and moving all our clients funds, we are now have even more banking issues. Based on my experience with CIT, they have no business on the HOA/Community banking industry. Thank you for your help in resolving our serious issues, and to help ensure we are able to take care of our clients funds in the proper and professional manner!
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My wife and I had a vehicle loan through XXXX. We paid the loan in full on XX/XX/2021. It took XXXX months to report hers correctly but they still havent fixed mine.
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My right to privacy is being violated by Transunion, in accordance to 15 U.S.C 6801 ( a ) FCRA. I have the right to privacy of my personal information. I find the obtaining, selling, and furnishing of this XXXX XXXX Bankruptcy information to be an invasion of that right and demand that the bankruptcy accounts be removed immediately from my consumer report.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (CA)

I have a credit card with Avant Credit Card. I had a couple of recent charges and I made three separate payments to pay off the balances that was owed. I reached out the credit card company wondering why my balance does not show any payments being made. The customer representative. stated that it takes up to 14 days to process any and all check payments. After, hearing what the representative stated, I decided to closed my credit card with this company. Now, Avant has all of a sudden lost my payments and charging me late fees. I even seen when Avant has endorse the check and still did no give my account the credit. I reached out to them on several occasion and get the run around. I have asked for a supervisor and was told that do not have any available and I will get a call back. I also email them on several occasion with all proof of payments and still no direct response. The remaining balance was {$25.00} and that was a late fee, that they charged me when they lost my check. I also mailed in a replacement check for the {$25.00} dollar onXXXX they lost. I ask will they waive a one time courtesy late fee since I never been late with Avant Credit Card and they denied me, because I requested to have my account closed. I been a customer with Avant since 2019 and never been late. Now, I received a invoice for {$83.00} and this is late fees and interest rates. This company needs to be stop. Can you please investigate them? I have all proof of payments and emails of me trying to resolve this matter. I never thought I have to ask Consumer Finance for assistance. Please help me!
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

PHH sent me a loan Modification package, completed it. Made payments on time during the trial period. Started to make regular payments. PHH sent a final doc to sign along with the terms of agreement. Interest rate was good. They gave no details on the numbers they provided. A balloon payment of XXXX was provided. No information on how they came up with those numbers. 
I requested a breakdown of these numbers, and the person I was speaking to said they would request the info. for me. In the meantime, they give me a extension on my signing the final Modification package. After a 3 to 4 weeks I called in again. Person said they saw the request and gave me another extension. Weeks go by and I call again ( third time ) this time she said that the info in being mailed out to me. She informed me to go ahead and sign the package and if I had any disputes with PHH I can do so without worrying about accepting the Modification package and not being able to dispute anything. So, I signed and sent it off. No one offered me this idea to me in the previous calls. I did get the info. I got a letter a week or so later informing me I am no longer eligible for the loan modification. " You failed to return the final modification agreement within the required time frame. '' The three calls I made into PHH are all there. Everyone can see the notes. But the people who sign off on this does not care. The notes are not in dispute. 
Second problem. I made a partial payment on XXXX of XXXX and it was returned to me on XXXX because I was now required to make a minimum payment of XXXX. 
On XXXX I made a payment of XXXX and on XXXX they returned it back to me. Rules keeping changing. Now I am required to make a full payment or nothing. I could not afford to make a full payment. I could have been making the regular payments but no. 
PHH add over XXXX in late fees and different kinds of penalties, legal fees over that same time period. The same time period they refused to allow me to make any type of payments. 
On the one hand they refused any type of payment from me and on the other hand they charged me penalties for not making payments. My penalties would have been a lot less had they allowed me to make payments. 
All the notes I referred to are in their system. I do not have access to them. 
Very frustrated at the moment. 
They say they are sending me a new package to file all over again. 
Any help would be greatly apricated. 
Thanks XXXX XXXX
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXXBalance : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$220.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX
Consumer complaint received 2022-08-10
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. (WI)

I have been paying down my Credit Card balances, but this decrease in the card balance is not reported in a timely fashion, as opposed to ANY increase in a card balance, which seems to be updated in a matter of days. I have paid down thousands of dollars in Credit Card debt, but my percentage of use never changes. This is critically impacting my ability to get credit to add available credit, which would lower this percentage of use as I pay these balances down. 
This is clearly both negligence in regard to the consumer, while at the same time offering only cards with high annual fees which finically benefits the Credit Reporting agencies, besides implying that paying to upgrade to a service offered by the reporting agency would assist in increasing the consumer 's credit rating.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to formally request the blocking and deletion of accounts and inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report.

Please find the details of the accounts I am disputing : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-10
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX   XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (PA)

One day the collection just showed up on my credit report. I never received an documents from the credit agency or the apartment company giving me notice of a debt. I have called the company many times and have not received any documentation of this alleged debt. I was informed that there were discrepancies in their system and I would receive a call back. It has been two months since the collection was placed on my credit report and still I have no way to very this debt from either agency. Please help me.
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (MD)

account # XXXX It's been well over 60 days with no lawful validation of the alleged debt and no lawful response to the PRIVATE CONSUMER DEMAND AFFIDAVIT LETTER ... meaning you tacitly agree to the demands and invoices send via certified mail # XXXX and # XXXX, as well as no thorough response to the consumer complaint # XXXX on all points within the affidavits i sent, thus putting you in default and now the CFPB will aid me in collecting damages. Any further unsigned, un-notarized, false and deceptive letters you sent will incur a fine of minimum {$1000.00} per page for violating multiple Federal laws. 

Also, responding to my previous affidavits point for point via notarized affidavits of truth would be beautiful. By the way, please feel free to take me to court because I am sure the judge also would love to see your proof in accordance to FDCPA and TILA. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine. I noticed all your fraudulent statements that have Document identification numbers had an all caps name on them ... That is not my name, as my name is written in an upper-and-lower-case grammar style. Please answer, Why are you referring to me in all capital letters? See Exhibit C and D. 

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. 

Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. 
respond to all attached documents and affidavits
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

On Wednesday, XX/XX/XXXX, I requested and review my annual credit report and noticed a discrepancy with the reporting of one the accounts listed on my profile. 

My Perkins loan through EDUSRV / Heartland ECSI did not show the accurate balance and account standing. The last updated date stated on the report for this account was XXXX  when this account has been active & received monthly payments till this date XX/XX/XXXX. There is almost 2 years worth of data missing from this report which should show active & current payments to the account with the reduced remaining account balance. 

I request to have this inaccurate information reviewed & rectified to show current account standing & balance.