davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (ID)

There is an attempt to collect a debt that does not belong to me from Professional Debt Mediation Inc I have been sending multiple disputes about this debt being on my reports to XXXX and XXXX since XX/XX/XXXX. Constantly sending letters and no response from anyone. 

Today I got a notice dated XX/XX/XXXX from Professional Debt Mediation with a copy of a Move out settlement report with an address in XXXX XXXX, FL in which I have never resided and have been living in XXXX, ID since Mid XXXX so I don't see how I can have a lease agreement in Florida. 

The information that was sent does not even have a my signature or signed of my name. 

Would like to know how this debt was verified and if my full social and date of birth was given or any copies of my identification was provided. 

This is a completely false debt. Addressed it many times and not after 5 months and putting in a complaint is when they actually start the investigation. 

Also I do not even see XXXX XXXX XXXX XXXX in the state of Idaho.
Consumer complaint received 2023-06-30
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. (NC)

After going through my updated Credit Report which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that that my Credit File still reported the fraudulent accounts and information on my Credit File. The disputed items remained on my Credit Report end yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent accounts the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA section 605b, any and all fraudulent accounts must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these accounts for 4 months already and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand to the Credit Reporting Agencies to remove the disputed accounts off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00}. Not only that the Credit Bureaus did not send me a copy of my updated Credit Report, they have not sent any documenst supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.
Consumer complaint received 2021-08-06
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under : XXXX XXXX XXXX XXXX reference number XXXX, and TOYOTA MOTOR CREDIT reference number XXXX are disputed. 
The vehicle in question was purchased on or about XX/XX/XXXX, financed by TOYOTA MOTOR CREDIT, repossessed in the state of ARIZONA in XXXX, and sold by TOYOTA MOTOR CREDIT on or about XXXX. 
Under the law and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the leg
al notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I currently have not received any of the required notices which were supposed to be properly and timely given, and all of the allowable redemption and cure time limits were supposed to be adhered to.If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system to let me know their will be a deletion of the trade-line. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-12-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (VA)

After reviewing my consumer report I am concerned about some information that has been reported, I believe that my consumer rights have been violated according to 15 U.S.C 1602 ( g ) there is no valid proof on the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. According to 15 U.S.C 1681s-2 ( a ) on XXXX XXXX  ) this company then closed the account and furnished an account on my consumer report without my consent. 15 U.S.C 6802 Gramm-Leach-Bliley : 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, which by law is a violation of identity theft. 15 U.S.C 6802 ( d ) This company disclosed five late payments to nonaffiliated third parties which still reflects on my consumer reports. 15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institutions did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; This company has never given me the opportunity, to initially disclose this information, and refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. I have never received an opt-out explanation from this company for the duration of my extension of credit. ( XX/XX/XXXX ) - ( XX/XX/XXXX ) After this company closed my account on ( XX/XX/XXXX ) the company customer representative explained that I would have to reapply for my right to extend credit, I then applied for my right to extend credit and was denied 9 times over the course of the year XXXX - XXXX. Which makes this company liable to 15 USC 1681 ( a ) ( 2 ).
Consumer complaint received 2023-11-06
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (OH)

I HAVE HAD ACCOUNTS WITH XXXX XXXX XXXX ON AND OFF XXXX XXXX 's AND NEVER HAD A PROBLEM. 
IN XXXX I WENT TO XXXX XXXX XXXX IN XXXX OHIO I PURCHASED A BED AND WASHER & DRYER, I SIGNED THE PAPERS AT STORE BY SELLS STAFF AND HAD TO DRIVE AROUND TO WAREHOUSE TO PICKUP FURNITURE, THE NEXT THING I RECIEVED A BILL FROM XXXX XXXXXXXX XXXX  OF WHICH I MADE ARRANGEMENTS TO MAKE MY PAYMENTS ON LINE. 
I MADE ALL PAYMENTS FOR TWO YEARS ON TIME AND NEVER MISSED A PAYMENT OR WAS LATE. 

WHEN I CHECK MY PAYMENT BALANCE IN XXXX IT WAS APPROXMATELY {$2300.00}. 
WHEN I RECIEVED MY XXXX STATEMENT BAL WAS {$6400.00} I CALLED XXXX XXXX XXXX XXXX  IN XXXX OH AND WAS REFFERED TO SYNCHRONY BANK, OF WHICH I WAS TOLD THAT WAS THE NEW AND CORRECT BALANCE BECAUSE THERE WAS A 24MONTH PAYOFF CLAUSE, STATING THAT I HAD TO PAY THIS BALANCE WITHIN THE 24MONTH PERIOD OR " INTEREST PAYMENT " WOULD APPLY.

AS I HAVE STATED I DON'T REMEMBER BEING TOLD BY A SALES REP ABOUT ANY " 24 MONTH CLAUSE " NOR AS THIS EVER HAPPENED IN ALL THE YEARS I HAVE BEEN DOING BUSINESS WITH XXXX XXXXXXXX, I AM ALMOST XXXX XXXX XXXX I AM A 100 % SERVICE CONNECTED XXXX VETERAN WITH A XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
IT IS OF MY OPINION AS A XXXX VETERAN AND ELDERLY PERSON OF HAVE BEEN TAKEN ADVANAGED OF, AND TAKEN IN A MONEY SCHEME OR SHAKE DOWN BY THIS COMPANY OR BANK, I DON'T REMEMBER SIGNING ANY DISCLOSER DOCUMENTS ABOUT 24 MONTH PAYOFF AND DO I REMEMBER ME GIVING XXXX  XXXX PERMISSION TO SELL MY ACCOUNT TO SYNCHRONY BANK I BELIEVED I WAS DOOPED INTO THINKING MY PAYOFF WAS CLOSE TO {$2300.00} WHEN {$400000.00} WAS ADDED TO MY ACCOUNT, I BELEIEVE AS A XXXX VETERAN AND XXXX  PERSON I WAS TRICKED AND TAKEN ADVANTGED OFF.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

XX/XX/2020 : I sent letter to the XXXX, Equifax and XXXX  asking them to verify the Bankruptcy and up until now, I never received any correspondence from them. I sent them a letter monthly for follow-up for several times but I haven't received anything from them nor a validation. 
XX/XX/2020 : I sent letter to XXXX XXXX to verify the Bankruptcy that has been appearing on my credit report. 
XX/XX/2020 : XXXX XXXX Responded to the letter stating that the record has been deleted because they were unable to verify the accuracy and on XX/XX/2020, I forwarded the correspondence from XXXX XXXX to the aforementioned 3 major Bureaus requesting them to reinvestigate. Now, I have not received any response from them. Please help me on this.
Consumer complaint received 2022-11-18
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. (GA)

In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction. 


In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/2020 : I sent letter to the XXXX, XXXX  and Transunion asking them to verify the Bankruptcy and up until now, I never received any correspondence from them. I sent them a letter monthly for follow-up for several times but I haven't received anything from them nor a validation. 
XX/XX/2020 : I sent letter to XXXX XXXX to verify the Bankruptcy that has been appearing on my credit report. 
XX/XX/2020 : XXXX XXXX Responded to the letter stating that the record has been deleted because they were unable to verify the accuracy and on XX/XX/2020, I forwarded the correspondence from XXXX XXXX to the aforementioned 3 major Bureaus requesting them to reinvestigate. Now, I have not received any response from them. Please help me on this.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

The bill was not sent to me for several months ; the number on the bill does not match the credit card number. Also, payments applied from my checking account were deducted from my checking account and were not credited to my account.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Selene Holdings LLC (TN)

Our loan was transferred to Selene Finance in XXXX of XXXX. In XXXX of XXXX I received a credit alert from XXXX that there was a negative report from Selene Finance. The credit alert shows that Selene Finance reported the account with XXXX in XX/XX/XXXX as CO and modified. We never did a loan modification with Selene Finance at any time. The only loan modification occurred with the previous servicer in XXXX of XXXX. Selene Finance has no right to file a negative credit reporting for a modification that occurred almost 4 years ago with another servicer. I contacted Selene about their error and was told that they are properly reporting the loan, and there was nothing they needed to do. Not only was the loan not charged offed, Selene Finance is reporting the loan modification, which occurred almost 4 years ago with another servicer, as though it just occurred with them, which means it will remain on my credit report for seven years. Selene has wrongfully and purposefully reported something that negatively impacted my credit, and is refusing to correct it.
Consumer complaint received 2019-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL 3 " CRA '' CONTINUE TO REPORT INCORRECT DATA VILATES FCRA PROVISIONS 604,605,607,611 AND 623..NOT MY ACCOUNTS ON FILE ... XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... REMOVE AND CLOSE OUTDATE OVER 7YRS, NOT MY ACCOUNTS, AND ID FRAUD
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX ( Wells Fargo ) claims " COVID '' is the reason why I had not received my statements. Last year ( 2020 ) I only received statements from XXXX - XXXX, XXXX, XXXX, XXXX, XXXX and it stopped, then got XXXX, then it stopped, then got XXXX, and again it stopped. 

I have repetitiously called and called - the Reps always says " You are not enrolled in electronic paperless. '' and " due to COVID, it is taking our customers longer than usual to receive their bill. '' In addition, been advised to log in at the website to check in case if the bill had not arrived. PROBLEM? It will NOT allow me to log in! Even after their " New System '' requiring a new password created. I already did this ; and once that is complete, it loops back to the original position and will not recognize the new password I have created. I keep getting all these WAC errors - XXXX, XXXX, XXXX, XXXX, etc etc etc. 

NOW, trying to use the FORGOT PASSWORD - they are demanding a STUPID PHONE, I do not have a Smart Phone, I have a landline telephone. ANOTHER NEW PROBLEM? I am profoundly XXXX, I can not get the automated code from some stupid computer to input My landline is a XXXX. I live alone. THIS IS FLAT OUT DISCRIMINATION TOWARDS THE XXXX XXXX AND XXXX. 

Just made a call today, and I was slammed with a LATE FEE? Really? After I had called last month after XXXX ( XX/XX/2020 ), She told me to call if I didn't get a billing statement next month ( XXXX ) after the XXXX. So I went ahead and paid blindly {$100.00} ( while my normal minimum is {$30.00} a month ), and today JUST GOT TOLD THAT THE LATE FEE WAS STILL ATTACHED. AND THE MINIMUM HAD DOUBLED? 

I have NO PROBLEMS with other bills, they are all incoming just as normal as everything else ... BUT NOOOOOOOOOO THE REP IS SO OBSESSED AND FOCUSED ON COVID CAUSING PROBLEMS. 

This is a leeching mode to try to gain more of the customer 's monies and blaming it on COVID by not sending bills via USPS for the sole purpose of collecting additional fees and charges to make up for the LOSS of their Online and Offline stores! 

I have ZERO tolerance for this type of practice. There is absolutely no excuse why they can not mail a customer 's bill via USPS. My Balance is fine, they are just sucking up " late fees '' and " jacking up minimum payments '' in an illegal tactic.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Jennifer McCoy, PC (FL)

I had to make an emergency move back to XXXX  and as I was turning in my keys the manager assured me they would be in contact with any balance that I owed after I left. They never called, emailed, nor sent anything in the mail to the forwarding address that I gave them. I attempted to contact the original creditor ( Hickory Point Apartments in XXXX, TN ) multiple times through phone calls and emails (XX/XX/XXXX ) with NO response. In XX/XX/XXXX, I learned of this collection on my credit report without my knowledge nor attempt to collect. Despite my attempts to work something out with the original creditor, they placed this account with an attorney ( Jennifer McCoy ) for collection inXX/XX/XXXX ( even while I was trying to contact someone but they were ignoring me XXXX! They never attempted to work something out in any way! Just sent it straight to collections! I sent three certified letters XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX requesting validation of this debt. I received no response for the XXXX and XXXX letters. I did receive an attempt to collect letter in XX/XX/XXXX, which was NOT a response to my XXXX letter and did NOT validate. The XXXX letter I received was a FAILED attempt to validate. It did NOT provide ALL that I requested NOR clear evidence bearing my personal signature accepting ownership of the debt and the exact amount alleging owed. I've now sent a fourth letter ( XX/XX/XXXX ) requesting deletion for failure to validate and have yet to receive a response or deletion on my credit report from this final letter.
Consumer complaint received 2022-04-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (VA)

I have a bill from XXXX XXXX XXXX date XX/XX/XXXX which I thought I had been exposed to XXXX. I had been on a payment arrangement but with my XXXX XXXX and the post office cutting back on our hours I had to cut back on some bills. I recently became XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  after being XXXX and have been paying on bills that are behind. I called XXXX XXXX and learned that they sent my account to collections. I've had about 6 interactions with Credit Control, the first I disputed the account because I didn't receive a bill to dispute, the second I had for a settlement and asked the account to be returned to the original credit which they denied and I called again to see if they would accept a credit card payment and they agreed. I called today for XX/XX/XXXX they hung up and I had to call back then, I reached a XXXX XXXX. I gave my name and I stated I was calling to make a partial payment. She asked me for my phone number, I gave it, she asked for an account number I provided the XXXX XXXX Account Number and then I gave her the Credit Control number and then she gave me the balance. I told her I wanted to pay 1/2 and she immediately told me I could not pay a partial payment towards a settlement and that was their policy. I told her that is not so and as long as I pay the full settlement before the date I could and if I did not it would be void. I asked for a Supervisor, she continued to speak I again explained to her that her and I were not getting along and to please place a supervisor on the line. She didn't attempt to place me on hold or anything she just nonchalantly stated someone would call me back, I asked for her name she stated XXXX XXXX I confirmed if she was the only XXXX XXXX in the office she said yes and that XXXX XXXX or a XXXX XXXX would contact me. I then called XXXX XXXX and they accepted my partial payment, I spoke to a XXXX XXXX who gladly accepted my payment confirmation number XXXX Credit Credit if you work on contingency you will not be receiving credit for this payment or the next one because I will pay them instead of your office.