davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DAIMLER TRUCK FINANCIAL SERVICES USA LLC (FL)

IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2023-11-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (NJ)

I am writing to formally request the validation of a debt, which you have been attempting to collect from me. I am doing so in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), and ( FCRA ), 15 U.S. Code 1681b. I dispute the validity of this debt and require you to provide documentary evidence to substantiate your claim. Please ensure that this validation process is carried out in compliance with the FDCPA.

I demand that you provide the following information, one by one, in a clear and concise manner : 1. Documentation proving the original creditor 's name and contact information.

2. A complete account history, including details of all transactions.

3. Any written agreements or contracts related to this debt.

4. Proof of the alleged debt amount and how it was calculated.

5. Documentation showing that you are authorized to collect this debt.

In addition, I am specifically requesting the following items to further validate the legitimacy of this debt : A promissory note or any written instrument that outlines the terms and conditions of the alleged debt, signed by all relevant parties.

Proof that your agency holds a valid collateral interest in my property. Please provide documentation supporting this claim.

I must also emphasize that I have not given you authorization to report any account related to this debt on my credit report. If you proceed to report it, I believe you do not meet any of the permissible purposes outlined in 15 U.S. Code 1681b for accessing consumer reports. Thus, I insist that you cease any attempts to report this debt to the credit reporting agencies.

In your response to my previous communication, you alleged that I had sent fraudulent documents without providing any evidence to support your claim. I want to reiterate that these allegations are baseless, and you have not substantiated them in any way. It is essential to resolve this matter through factual evidence and adherence to legal procedures.

Please be advised that this letter serves as a notice of default. I have not received a satisfactory response to my previous inquiries, and your failure to validate the debt or provide verifiable information is a breach of my rights under the FDCPA.

Also to make it clear I am the only lienholder of the property. Now proof that you have a collateral interest for my property. A security has been sent to the trustee For presentation to the United States Treasury, for redemption or in exchange for securities of a new issue, in accordance with written instructions submitted by ( Transfer Agent )
Consumer complaint received 2023-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (MD)

I was seen at emergency room due to car accident, XX/XX/2021, XXXX XXXX XXXX, I did provide insurance information to hospital at time of visit, the hospital didn't submit to insurance, and I didn't receive any information from hospital for debt, until I found on credit report, I have requested removal several times, without reply. I asked XXXX to submit payment, and State collection didn't reply with any documentation in the time of compliance, therefore debt is not my responsibility per XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

After going back and forth this entire year with Equifax since reviewing my credit report earlier this year and finding fraudulent accounts opened under my name that I had no knowledge of.. 

I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives of Equifax and made disputes over the phone. 

I was told to also write a dispute letter and send them certified mail to their headquarters where it can reach their dispute department. 

Being told that after their investigation is complete I would receive an update with the corrections made, yet nothing was done to fix their mistakes. Equifax is misinformed with the " verified '' information regarding the accounts I have disputed with them. Even after asking for the physical validation proof that the debt they claim is mine, they continue to neglect their duty to adhere to the FCRA and do not make the corrections to fix their mistakes! 

The following accounts listed below are unverifiable, inaccurate, misleading, and unlawful to report by Equifax and MUST BE DELETED IMMEDIETELY : 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
Consumer complaint received 2017-12-03
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. (CA)

XXXX XXXX notified me that a new collection had been added to my account, who is owned by XXXX.I was unable to file a dispute, donot know the reason.XXXX XXXX, bought my account from XXXX XXXX XXXX, who had already listed this account on my report, listed that I owe them {$590.00} in XX/XX/XXXX,  XXXX has listed the same debt for the same amount of {$590.00}, which is a duplicate, of the same debt.I told them these account are duplicates and it is illegal to list them twice, and needs to be removed.All 3 of the credit should be notified, and take appropriate action.XXXX listed the debt on XX/XX/XXXX. 
I can not request a copy of my credit report online from Equifax, for years, because they have the incorrect security question.I have contacted them in regards to this matter, and it has not been corrected.They also ask incorrect question, in regards to my past place of resident. 
I contacted XXXX also, no response to date. 
There is also a debt for a payday loan, that I have written to these credit bureaus, multiple times, and it has not been corrected.I told them, I donot owe the amount listed, these people are rip-offs, and you pay them interest, and still have not paid the debt off.XXXX XXXX has listed I owe $ XXXX.They only lend me {$250.00}, and I paid {$300.00} for months .I donot owe XXXX XXXX any money.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The company had a data breech in XXXX  and didnt send out emails or mail letters stating there was a class action lawsuit. They should have reached out to me Ive been with this company for years. I am just now hearing about this, its unacceptable.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 

Accounts listed below. 
1. Account Name : XXXXXXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX  Account Number : # XXXX XXXXAccount Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX .Violated my rights.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2023 my online banking was hacked. Someone named XXXX XXXX tried to send a bank check through TD 's online banking " Pay a Bill '' section for {$3500.00}. This transaction did not go through, however on XX/XX/2023 the same process occurred and TD Bank wrote and sent a check to someone named XXXX XXXX XXXX for {$7000.00}. I do not know either of these people. I saw a copy of the bank check sent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, Utah. I did not approve any of these transactions and I made that extremely clear to TD Bank multiple times. I disputed this to TD and they claimed it was not fraud and closed my case. I reopened the case and the same thing happened. I reopened the case again and threatened to get a lawyer and only then was a real person assigned to my case and they claimed again that it was not fraud. I had tried to file an affidavit, filled out all the paperwork, and they never filed it. I have spoken to many representatives and none were helpful. The man who I spoke to after I threatened a lawyer was named XXXX. I have gone to the police and filed a police report against XXXX XXXX XXXX but was told that my town 's police department can not help with cyber crimes. I was told that my report is now in all police criminal activity bases around the country.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items : XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Attempted to freeze my credit in late XXXX via their site, sent all the pertinent info and the site said it had frozen my credit but that I needed to open an account to confirm or make any further changes. Attempted account creation multiple times until site finally said it was submitted. Received no email confirmation and no further interaction until an UNREQUESTED credit report showed up in my mailbox " for XX/XX/year> '' ( report # XXXX ). Attempted to contact company again since there was no account info attached. Was unable to get in contact with useful entity so I sent complaint via XXXX XXXX XXXX XXXX person said they did not have enough info to confirm my identity or freeze my credit despite sending me a very sensitive credit report with all my bank info and the site having told me my credit was, in fact, now frozen. Tried again to send identity documentation to their site on XX/XX/XXXX and again was told it was submitted but got no confirmation or account info. 
My time and energy are being wasted in addition to me feeling very unsafe interacting with this callous company.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-12-04
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: SUNTRUST BANKS, INC. (GA)

I am victim of Identity theft and SunTrust Bank is reporting information on my XXXX credit report that was opened with out my knowledge or permission. I have provided all the necessary documents for the removal of the wrong information being reported but the information is still on my XXXX credit report.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX, XXXX OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.
Consumer complaint received 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-11
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. (TX)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX TRANSUNION OR XXXX DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.
Consumer complaint received 2017-12-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have upwards of {$1000.00} stored on Coinbase in virtual and real currency. Due to an error on their system they said I am temporarily unable to buy currency I should contact their support. This means I can not access any of my funds stored on their exchange XXXX. Their support has not responded in over a month.
Consumer complaint received 2017-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

On XXXX XXXX, I called Navient with the hopes of understanding my loan. I am trying to understand my current terms, how much I need to pay each month to reduce the length of my total pay off terms, how much I have currently paid etc. 

I also wanted to get an extension of my current payment plan. I was told by the representative that if I paid another payment of my loan that I would be current. He told me if I made the payment by the end of the month, that it would n't affect my payment. So I scheduled the payment by the end of the month with him and the funds came out of my account b y the end of the month. He did inform me that if I paid by the end of the month that I would be current. I then enrolled in an auto debit program for the next 6 months. I was happy to have had some resolution when I got off the phone. I go and check my credit today, and I saw that my score dropped 17 points because I was given terrible information. 
If the representative would have told me that you need to pay your loan by the XXXX of the month and not the XXXX, my credit report would n't have been affected. 
Loan companies are to help borrowers understand their terms and use accurate advice. It 's unfortunate that my credit is now being affected because I was trying to repay my loans.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I made a purchase form XXXX XXXX XXXX XXXX, and I submitted a complaint with the name of XXXX XXXX XXXX XXXX, this complaint is because the credit card company, Barclay, XXXX XXXX did not resolve my issue in my favor. 
The purchase I made was sent incorrectly, i did not receive the product I purchased. 
I have been trying to resolve the issue with XXXX XXXX XXXX XXXX, and their finmal resolution was that they sent me the right product. 
But it was not the case, as I demonstrated through pictures : I purchased XXXX Medium Firmness mattresses, and I received XXXX soft firmness mattresses. 
Barclays does not support their customers in their query for satisfaction of the products purchased from a merchant.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FC HoldCo LLC (NJ)

I contacted the creditors to request a settlement and they said they would accept half which was XXXX. I advised I only had XXXX and that it would take a few months to get the remaining balance but by then the tradeline would no longer be reporting due to it being over 7 years old. They declined. It still shows in collection status not charged off on my credit report. I filed a dispute a with XXXX and they would not honor the tradeline being over 7 years old and either remove it from my credit report or show as charged off.