davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

RE : Account # XXXX To Corporate Capital and Experian This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { Experian, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

My name is XXXX XXXX, I am residing at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I have an account number with TdBank, account number is XXXX. I have had overdraft issues before and addressed it with the bank. Sometimes successfully. Sometimes not. Being recovering after a XXXX treatment and being managing a low pay job for now have not added much help. I have noticed that sometimes if I had 5 transactions pending and had deposit coming only in a day they would let 4 transactions pass charge maximum overdraft fees allowed per day, then let one transaction stay pending and pull it through the next day and charge overdraft fees on it too. Then when I would have my deposit coming in the fees would eat it up. Also there is a difference between mobile application and their regular banking application often they would show pending transactions in one order on mobile application then have it in another order in regular application. I have been trying not to pay attention to it but did take screenshots and sometimes reached out and addressed it. However what has happened recently is completely unacceptable. I had placed a purchase and lost my job along with my last paycheck being bounced which Labor department is investigating at the moment. This cause an overdraft and I was trying to transfer XXXX dollars every other day from savings account and noticed that my transfers are not minimizing my balance but go against new overdraft fees. I have two XXXX transactions in the amount to XXXX and XXXX been charged every other day up until XXXX XXXX and inquired XXXX dollars of the overdraft fees for each day, despite that these charges had been paid to XXXX XXXX XX/XX/XXXX in full from XXXX account and then my savings account and from that day was not charged towards my account. When reached out to the bank I was told to stop them or notify XXXX my explanations that inhave screenshots when it was paid and also emails from XXXX that this amount had been satisfied I was ignored. How could it be that this transactions are paid but TD Bank still showing that they are charged for the next 2 weeks few times a week?
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

CAPITAL ONE XXXX Balance : {$0.00} ;
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act and Title 15 Annotated commerce and trade .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Us dept of edXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXDept of ed # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. its also states a consumer reporting agency can not furnish a account with out my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Ray Skillman Northeast Buick GMC Truck Inc (IN)

I bought a 2011 XXXXXXXX XXXX and I had nothing but trouble with the vehicle. The check engine light kept coming on, and they put like {$300.00} worth of work into it, but the check engine light still came on. About 7 months after the purchase I got a recall notice in the mail for the XXXX, and it stated that the engine has a recall because of oil consumption issues. I brought this to the attention of the service department and they never fixed the issue. I had the vehicle for 10 months and the motor went out. I was told that they could put a new motor in and it would cost me {$3700.00} and I would have to pay {$370.00} every two weeks. After explaining that I could not afford that XXXX told me that he would speak to his boss to see what we can do. I waited for his call, but he never called me back, I even tried to call him to no avail. I had {$1500.00} to give the car lot to get my car back, but I still hadn't heard from them. So, I had to go purchase a new vehicle, and I lost everything in my XXXX. Now, after a year of them having possession of the vehicle they're trying to sue me for {$13000.00}.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I owed some medical debt to a company that sold the debt to a collection agency. The debt is from 2019 and should have been paid by my medical insurance company which the original creditor failed to do. The Collection company has been reporting the debt as recently missed payments and are reporting each month as a missed payment which according to the Fair Credit Reporting Act is not allowed. The only person who can report missed payments are the original creditor who the debt originated with. After contacting the company, they continue to report monthly missed payments which is affecting my credit. 

I also asked for the company to verify the debt almost a year ago and they have still not done so. The credit reporting bureaus have also failed to verify the debt as well.
Consumer complaint received 2022-08-01
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. (TX)

I had a court date on XX/XX/2022 and I was told by the judge that I need to return my key to the property and arrange a payment plan. I was told that I owe {$3000.00} but once I check my credit report it says that I owe {$5000.00} which will make it fraudulent charges to that account. I have tried resolving the issue with the property manager but I cant get any response so I was wondering is it possible that I can get this collection removed from XXXX XXXX XXXX
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance - Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-01-11
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)

For several months now, I have tried to dispute fraudulent items on my report directly with the bureaus and they continue to report fraudulent information on my report. Law states they have 4 days to block fraudulent accounts. I sent everything they asked for per phone call. I have proof of me sending correspondence to them because I sent them certified mail and I know they received them. They did not fix the errors on my report. PLEASE HELP.
Consumer complaint received 2022-01-11
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. (GA)

For several months now, I have tried to dispute fraudulent items on my report directly with the bureaus and they continue to report fraudulent information on my report. Law states they have 4 days to block fraudulent accounts. I sent everything they asked for per phone call. I have proof of me sending correspondence to them because I sent them certified mail and I know they received them. They did not fix the errors on my report. PLEASE HELP.
Consumer complaint received 2022-08-01
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. (TX)

I had a court date on XX/XX/2022 and I was told by the judge that I need to return my key to the property and arrange a payment plan. I was told that I owe {$3000.00} but once I check my credit report it says that I owe {$5000.00} which will make it fraudulent charges to that account. I have tried resolving the issue with the property manager but I cant get any response so I was wondering is it possible that I can get this collection removed from XXXX XXXX XXXX
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX XXXX-I attempted to sale my vehicle. Its XXXX XXXX  XXXX. I was informed at that time that my title was reading within mechanical limits which depreciates the value over $ XXXX. The dealership refused the purchase it at a fair market price. I then attempted to resolve this issue with the DMV, Tag & Title office located in XXXX GA, XXXX XXXX. The supervisor informed me that the clerk input my information in the computer incorrectly due to a computer system upgrade & that this matter couldnt be resolved without the original title. She asked me to contact my lein holder which is USAA. I contacted USAA and they stated that they received an electronic title, not the original. USAA attempted to retrieve the original title 3 times since XX/XX/XXXX and never received it. Ive contacted both the DMV/Tag & Title Office manager several times about this matter and they have told me that they do not have the original title to make the corrections so I can sale the vehicle at a fair market price. I then contacted XXXX in XXXX Ga where I originally purchased the vehicle for a copy of my agreement, since I feel like they have violated my consumer rights as well by not disclosing all pertinent information related to the vehicle upon purchasing. The items of speaking of include the incorrect odometer reading & auction purchase. It has been six months that myself and my lien holder has tried to resolve this matter with no help. This failure on the Tag, Title & DMV office in XXXX GA, XXXX XXXX and the XXXX Dealership in XXXX GA has costed me over {$900.00} a month in fees. Their lack of compassion and blatant disregard for my rights has caused hardship on me and my family. As an Active Duty Military Member for the past 17 years I have never been treated so unfairly or violated. Please investigate and help me resolve this issue immediately.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XXXX I went into the bank to withdraw {$1200.00} from my business account that had roughly {$1400.00}. I used my debit card with the teller, punched in my pin and he gave me the {$1200.00}. A few hours later the teller calls me and says that I need to return the {$1200.00} since a charge went through and he can no longer put the transaction through. I told him I couldn't bring it back since it was used. The teller called again and I explained again that I couldn't bring the {$1200.00} back. He took the money from my personal account without my permission along with the funds from a joint account that I hold with my husband who's XXXX check gets deposited in. When I saw what happened to the accounts I called the bank back and spoke with the teller and he pretty much called me a thief for him not doing his job. He took it upon himself to steal money from me and my husband to cover himself. I was forced to cancel a sick appointment since I did not have the funds to pay for it. It wasn't until the next day that the funds were returned to the correct account. I have spoken with the bank and I don't think they are taking it very seriously. I am not sure if this is even the correct way to go about it. I do need some help in trying to get this figured out.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY (VA)

I was lied to on three different occasions. The first time a fake supervisor told me I'd receive my replacement debit card no later than Wednesday Nothing came. then spoke to a girl who promised me I would get my card on Monday. No card came in the mail. Next I called in and spoke with a real supervisor who informed me the card HAD NOT EVEN BEEN MAILED OUT!. Claims they can't overnight it because of XXXX which is a bunch of bull. I get overnighted prescriptions, and merchandise without a problem. THIS HAS COST ME ONLINE ACCOUNTS THAT HAVE CANCELED ME! They just tell you lies that they think you want to hear. Today I talked to a woman and it's going to be another 5 days! I am XXXX, XXXX and without transportation. I depend on having this card and not misinformation. HASN'T EVEN BEEN MAILED OUT YET! Unbelievable! I CAN'T WAIT TO LEAVE TD BANK!
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. This company is currently showing late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( UNTD WHL MTG XXXX )
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX Balance : {$3600.00}
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

i have inquiries on my report i didn't authorize and i have sent in my police report showing my identity been compromise. and they won't remove them. 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 2022-08-16
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. (FL)

To Whom It May Concern : Regarding XXXX, EXPERIAN, and XXXX, I'm writing to you. Evidently, I've written you about this in a number of letters. They have disregarded my demands for some reason. 

My consumer rights are being violated by these credit bureaus.

They broke both the FCRA and the CFR. Please see 15 U.S.C. 1666. ( B ). Another statute that is relevant to this letter is 15 USC 1681 ( B ), which stipulates that I, as a consumer, must grant you PERMISSION to provide information on my behalf. 

I have not yet given such authorisation to you or ( XXXX, EXPERIAN, and XXXX XXXX XXXX XXXX ). Additionally, in accordance with Section 604 of the Fair Credit Reporting Act, Consumer Reports may be used for any lawful purpose. in general Anything subject to subsection ( e ) XXXX billing error resolution. 


I've provided a copy of the tracking number below to demonstrate that I sent them individual letters for each credit bureau. 



Kind regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC (TX)

On XX/XX/2021 account open for the amount of XXXX with XXXX XXXX XXXX. And on XX/XX/2021 collection account was posted on my credit for same amount of XXXX. I have filed a fraud dispute on this. The collection company named orions management group was contacted 3 times to take this off my credit report. They have unwilling to do so. After I have said the number or the social security number don't match my identity. But someone used my name and address. So they put this debt on my credit. I also tried to contact XXXX XXXX XXXX  but they don't exist anymore. So I'm here to get help with you.
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC (TX)

XX/XX/2020 I paid the debt collector, Scott & Associates , P.C . on behalf of XXXX  {$1900.00} because they said they filed a law suit against me. I signed the agreement agreeing to the {$1900.00}. The debt collector said the suit would be dismissed and they would report the payment to the credit bureau. Since then nothing has happened. The case is still active and i do not see that the payment in full have been sent to the credit bureau. 

Companies involved : XXXX XXXX XXXX Scott & Associates , P.C .