davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I was approached to start a full time job as a XXXX XXXX XXXX for the company XXXX XXXX by a man named XXXX XXXX. He sent a hiring letter, XXXX, XXXX to my email for me to fill out and send back. I did as asked, and then he asked me to send my address in order to receive checks to deposit in my bank account in order to purchase equipment to begin working for the company. The checks arrived on XXXX XXXX and I took them to my bank ( Huntington National Bank ) on Monday, XX/XX/XXXX and deposited two checks in the amount of {$9800.00}. They were immediately pushed through my bank ( I did not ask Huntington to do this, they did this all on their own ). The next day, XXXX then asked me to wire the money ( {$9400.00} ) to an account on Tuesday, XXXX XXXX. He sent me all the information ( which I still have in a screenshot saved to my phone ), I took the info and went to wire the money. On Wednesday, XXXX XXXX I got an email from Huntington telling me that they were reversing the checks that I had deposited on Monday, that they were fraudulent checks. In doing this, reversing the checks, it took my account into a negative balance. I immediately called the Huntington fraud department, and they told me they werent able to help me and that I should contact my branch where all transactions happened. I then called my local branch, and they have started a wire fraud investigation which will take 3-6 business days. On Thursday, XXXX XXXX I tried to login in to my Huntington account, only to find out I was locked out. I contacted Huntington again, and they let me know that they had closed all of my accounts without my knowledge and were keeping the money in my other two accounts in order to try and recover some of the money they had lost. I filed a dispute with the FDIC, and they have transferred the dispute to the Office of the Comptroller of the Currency.
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (WI)

First off the car was originally priced at {$12000.00} and the finance company charged over {$19000.00} with the interest rates. I'm paying {$400.00} a month because they said I'm behind in my payments. Now I have repairs on my car they has to be fix or else I won't be able XXXX XXXX it. Therefore I'll lose work. I purchased the car back in XXXX. It's a XXXX XXXX XXXX XXXX. It's impossible for them to charge that much money for a car that was 7 years old at the time of purchase.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

APPLE CARD/GS BANK XXXX
Consumer complaint received 2017-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (TX)

Received a call about a debt from 2007. The company threatened to place negative information on my credit reports unless I pay them. This debt was settled with the creditor ( XXXX XXXX ) years ago. Under Tennessee and Texas statutes of limitations on debt collection Dynamic Recovery Solutions does not have the right to collect.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the tile of a consumer that the consumer identifies as in information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft! Please delete items immediately. 

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection in any consumer report agency may tarnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer whom it relates, I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am requesting deletion of all negative reporting accounts immediately. Thank you for your time.
Consumer complaint received 2024-10-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RevNow LLC (SC)

XX/XX/scrub>XXXX XXXX XXXX called my brother in XXXX, my sister in law in XXXX and my mother in law in XXXX XXXX. Stated that they are collections company and trying to collect a debt to my family members.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an
incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe (IL)

I am repeatedly receiving phone calls from this company regarding an alleged collection account. I have never done business with this company and have never shared my personal identifying information with this company. Obtaining and using my personal identifying information without my express written permission is a form of identity theft. Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - a person commits identity theft when he or she knowingly : uses any personal identifying information or personal identification document of another for the purpose of gaining access to any record of the actions taken, communications made or received, or activities or transactions of that person, without the prior express permission of that person. 

Moreover, because I have already asked this company to stop contacting me at this phone number and they continue to do so, they are in violation of FDCPA.
Consumer complaint received 2024-09-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

XXXX XXXX XXXX XXXX, TX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear [ Name of credit reporting company : XXXX or XXXX or XXXX ], I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report : TOYOTAFINANCIAL SER Dispute 1 [ The following examples are meant to be helpful, include all disputes that apply ] Account Number or other information to identify account : [ Insert account number or other information, such as account holder names and past addresses. This is especially important if you have had multiple accounts with the same company. ] Source of dispute information : [ Insert the name of the company, such as the bank, that provided the information to the credit reporting company. ] Type of disputed information : [ Insert category of disputed information such as public records information, unknown credit account/tradeline, inquiry, etc. ] Dates associated with item being disputed : [ Insert the date that appears on your report. This helps ensure that the correct account is identified by the company and to identify which aspects of the report are being disputed. You can still file a dispute if you dont have this date. ] Explanation of item being disputed : [ Insert details about why you think the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 
The report shows I owed money to the company that I have already repaid. [ Give details about when you paid, and attach a copy of any proof that you have. ] The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. [ Include account history or other information that shows the on time payments. ] Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Other [ Describe what is wrong with the report and include copies of any additional supporting documentation that you have. ] Dispute 2 [ Continue numbering for each disputed item on your report and include the same information. ] [ Include the following sentence if you are including a copy of your credit report or other supporting documentation. I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 
Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MN)

Upon reviewing my credit report on todays date XX/XX/year> I was surprised to see that this account is being reported as a charged off account on my XXXX report when in fact as is shown on my other two reports this account has been paid off. This has caused me significant stress and explains in part the reasoning why I have been having a harder time obtaining credit and have had higher interest rates for the credit I have received.
Consumer complaint received 2024-09-28
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. (CA)

I never received any information from Midland Credit regarding my debts or original signature for the debt through XXXX XXXX XXXXXXXX. I never received any court date. The only piece of mail I got was a judgement with incorrect amounts and information against me in which I tried to hire a lawyer to dispute, the company is not meeting any negotiations with my lawyer for a debt they cant prove or gave me rightful notice on.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

I hosted a college graduation party for myself and a few of my friends. I was the one in charge of booking a venue and hiring a band for the event. After booking the venue and band, I was in a hole of about {$2000.00}. When the day of our event rolled around, everyone that attended venmo 'd me XXXX to cover the band and venue cost. Two days later, someone that had venmo 'd me requested a chargeback at XXXX, which I think was a response from his bank. 10 minutes later, venmo had already froze my account and locked all the funds in it without even asking any questions. Since we provided a service, this is a fraudulent chargeback and venmo didn't even try to make things right ; they just upright banned me with the money I needed to pay the venue still in my account. This money is now in limbo and I am having to tell the venue that I need more time because I don't have that kind of cash to pay for something like that. Venmo is illegally holding {$2200.00} in my account and suspended my use of the platform without any basis that I violated any rule in their TOS. All they stated is that I apparently was involved in a high-risk activity. I don't think a college graduation party is a high-risk activity. 

I also followed the steps to get my account back, such as submitting an ID photo. The email says " follow these steps to get your account reinstated- Submit an ID Photo ''. This seems a little misleading because now they have my ID picture on file, I don't know where its saved, and they are already operating with predatory practices so how am I supposed to trust them with this use of information.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of ID theft. I am a California resident but someone out of state has taken out mortgages and credit cards in my name. 
I alerted the bureaus of this by mail XX/XX/XXXX ( see attached letter to transunion. I also sent a copy of a police report ( see attached ) and an id theft report from the FTC. 
All the bureaus complied and blocked all the accounts, but Transunion failed to do so. 
Instead of blocking they simply deleted the accounts and re-reported an account from XXXX XXXX XXXX after deleting. This is a violaiton of the FCRA which states they are to block fraudulent information. My last call to Transunion brought no remedy as they said they wo n't be removing the account from my credit report.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (NC)

I reviewed my Consumer Report and noticed that I have a inquiry that I never made. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

Please investigate and provide Proof with statements showing that these inquiries were made by myself. If proof cant be provided, I demand this is updated as they should be as I NEVER made these inquires. Thanks!
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (PA)

I discovered XXXX XXXX XXXX  attempted to use my credit without my authorization, On the same day, I contacted the company to report the issue and requested an explanation. However, I have not received a satisfactory resolution. 

I have taken steps to protect my credit, such as [ freezing my credit, contacting my bank, but this incident has caused significant concern due to the unauthorized use of my credit. I am requesting a full investigation and prompt resolution of this matter. thanks
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (KY)

Over the past two years, my credit rating has dropped XXXX points due to a poor rating from Navient Student Loans, now Aidvantage. In XXXX, during the XXXX pandemic, when my student loan payments were suspended by the federal government, XXXX reported XXXXhe following monthly payment to XXXX, XXXX and XXXX as late/deliquent : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. To correct this error, I contacted Navient/Aidvantage by phone XXXX XXXX, XXXX to have the incorrect information remove. I was informed by a XXXX representative that I had to contact the 3 credit bureaus, as XXXX took no responsibility for the misinformation. Therefore, on XXXX XXXX, XXXX, I filed online credit report complaints with XXXX, XXXX and XXXX. About 5 days later, the 3 credit bureaus informed me by email that the erroneous information would not be removed because it was reported to the bureaus by XXXX. Therefore, I was instructed to contact XXXX to have the incorrect information removed. However, as stated previously, I had already contacted XXXX before filing online complaints with the 3 credit bureau. Essentially, the 3 credit bureaus and XXXXAidvantage are not taking responsibility for the incorrect information that dropped my credit rating.