davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXXXXXX XXXX XXXX XXXX, which is a payment plan where you pay a monthly fee over XXXX years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from XXXX XXXX ( which administers the XXXX XXXX XXXX ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. 

On XX/XX/XXXX, I received alerts from my credit card companies that my credit score had declined significantly. I checked online and saw that Equifax and XXXX said that I had a delinquent account from XXXX XXXX XXXX, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with XXXX and Equifax, but I have not heard anything. I've been trying to call XXXXXXXX XXXX XXXXXXXX, but the people I've talked to don't know how to fix this. My credit score has gone down by XXXX points for literally no reason!
Consumer complaint received 2023-01-14
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. (NJ)

XXXX XX/XX/2023 Credit report contains inaccurate information, income, and/or bank account balance from XXXX XXXX. 

Credit report was submitted without consent and/or authorization. 

XXXX XXXX has not honored the agreement and/or complied with applicable laws/statutes ( UCC 8-112, etc. , FDPC, FDRA ) nor provided remedy and recourse via lawful recission demanded by customer as a result in a reasonable time.
Consumer complaint received 2023-01-14
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. (MI)

On XXXX XXXX 2022 I submitted complaint CFPB XXXX which outlined that a collections agent had ceased collection on an account effective XXXX XXXX 2022. I provided a copy of the statement given by the collections agent in CFPB complaint XXXX. The statement is clear in that is states the collections agent " has ceased all collection efforts. '' It is even highlighted in the response. Despite having this documentation, Experian insists that a dispute was received in XXXX and the collections agent verified the account is under collection with the collections agent and thus the item can not be removed from my credit file. It is likely Experian is using the automatic verification through eOSCAR, rather than conducting any sort of investigation. Even more ridiculous is that at least XXXX other CRA conducted an investiation and removed the collection item based both on the documentation I provided AND the response received from the collections agent. In addition to the response from the collections agent in XXXX. In prior complaints, such as XXXX I provided documentation indicating the collections agent is NOT licensed to collect in my state and is currently under investigation by the state licensing agency. To that documentation I also submitted the XXXX XXXX opinion on WHAT constitutes collection activity, ie activity that in my state would require licensure. That opinion was quite clear in that a collections agent that submits items to be included in a consumer 's credit file constitutes communication in collection of an alleged debt, Because reporting a debt to a credit reporting agency can be seen as a communication in connection with the collection of a debt, the reporting of such a debt in violation of the provisions of 1692e ( 8 ) can subject a debt collector to liability under the FDCPA. Sullivan v. Equifax Inc., Civil Action No. 01-4336, ( E.D. Pa. Apr. 19, 2002 ). My state requires that collections agents both register as foreign entities if they are not organized/incorporated within my state, and additionally requires them to be licensed by the state agency that regulates collections activity in my state ( see MCL 339.019 ( 1 ) ( b ) ). Again, the documentation I provided showed both the initiation of an investigation AND the state records indicating the collections agent is not licensed within my state to collect on alleged debt. Based on all the documentation provided, XXXX knows, or should know that the collection item in my credit file is invalid. As consequence XXXX is in violation of 15 U.S.C. 1681.
Consumer complaint received 2022-10-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (GA)

On XX/XX/2022, I mailed a Validation of Debt and Cease and Desist Letter, to TD AUTO FINANCE with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via XXXX Mail # XXXX. TD AUTO FINANCE received these instruments on XX/XX/2022. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned XXXX XXXX can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. 

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

Conditional Acceptance Formal Conditional Acceptance and XXXX XXXX XXXX was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditional Acceptance was sent via XXXX Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by TD AUTO FINANCE, having not received and showing no record of response to items listed in my Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 XXXXNo response has been given on said XXXX XXXX. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of TD AUTO FINANCEs failure to cure and honor Fault places TD AUTO FINANCE in Default. For the course of dealing, set forth herein, with TD AUTO FINANCE failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance. 

All items listed can be provided as proof on legal document with notarized signature that all opportunity has been given to TD AUTO. Along with these are a multitude of statements, and a threatening letter sent by TD AUTO after the cease and desist was received.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2020-04-16
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. (AR)

I was trying to cosign for my daughter a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy, but he refused to give me the information. I went online and pulled my credit report. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-10-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (GA)

XX/XX/2022 IVE SENT IN A BILLING ERROR IN THE MAIL CERTIFIED TO BE LOOKED OVER. I CONTINUED TO GET HARASSING CALLAS ABOUT PAYMENT UNTIL I MENTIONED THEY'RE VIOLATING FDCPA. They then said they will not contact me unless I ask to be contacted. IVE ASKED XXXX XXXX TO VALIDATE THE DEBT THAT THEY SAY I SO CALL OWE. I UPLOADED THESE DOCUMENTS TO THE XXXX As well She then sent the Same Documents from Here to the XXXX Mentioning a 1099a. WHEN I ASKED ABOUT MY BILLING ERROR That was sent and received XX/XX/2022. It is now XX/XX/XXXX and you all still have not acknowledged my billing error because you all know yall violated TILA & MY RIGHTS AS A CONSUMER AND THE FDCRA, FDCPA. I also SENT A CEASE AND DESIST AND GOT ALL DOCUMENTS NOTARIZED YOU ALL RECEIVED THIS ON XX/XX/2022. I ALSO SENT NOTICE TO THE ATTORNEY GENERAL AND XXXX. SO SEND ALL MY DOCUMENTS THAT I WANT. VALIDATION OF DEBT SHOW THE ACCOUNTING LEDGER NOT STATEMENTS THAT DOESN'T SHOW ANYTHING. SHOW ME ALL CONTRACTS WITH ALL SIGNATURES. MY CONTRACT IS NULL AND VOID DUE TO NON DISCLOSURE OF TILA AS WELL AS IT WAS NULL WHEN THE BANK DIDN'T GIVE ME CASH IN HAND. WHERE DID I SIGN MY SIGNATURE WITH THE BANK? SHOW ME MY SIGNATURE I SOGNED WITH THE TITLE COMPANY AS WELL AND WITH THE NOTARY. THEIR SUPPOSED TO BE 2 WITNESSES AS WELL. You ALL FORGED MY SIGNATURE ON 2/3 CONTRACTS. YALL BROKE THE CONTRACT, UNDER 12 C.F.R 226.23 RIGHT OF RECESSION. MY CAR INSURANCE ISNT INCLUDED IN MY CAR NOT ( 1 ) VIOLATION XXXX XXXX YOU DIDN'T DISCLOSE THE TILA AS WELL AS THE FINANCE CHARGE 15USC 1605 SUM OF ALL CHARGES ( 2 ) VIOLATION XXXX XXXX CONSUMER CREDIT TRANSACTION IS CASH IN HAND ( 3 ) VIOLATION XXXX XXXX IM REVOKING MY SIGNATURE. MY SIGNATURE IS NO LONGER VOID.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Affirm Holdings, Inc (GA)

My account was charged for an automated fee from Affirm fee on XXXX for XXXX. The fee hit the account XXXX times for a total off XXXX and should have occurred only once for the fee due of XXXX. I called Affirm report the issue and they could not reverse the payments. I called again in XXXX informing them that payments were still no adjusted! They knew about the issue and did not make adjustments! 
I called in XXXX XXXX XXXX XXXX  due to no funds available and to replace the issue. They said that the pending payments could not be reversed which according to Banking laws this is not true. I was told this would resolve in a day. On XXXX, I still have no funds available to make purchases, get food, or pay my mortgage. Affirm sent a letter out late on XXXX confirming the problem but said it would take 3-8 days to resolve. XXXX did not issue any credits so that we make use our funds knowing the issue! They knew about the issue because in my call the service representative reported other callers! I called again today XXXX XXXX and they know about the issue but could not and would not issue any credits to update our available balances for spending XXXX XXXX
Consumer complaint received 2022-10-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I have had an on going problem with 5th 3rd Bank for 2 years now. I would receive notification that I missed a payment, which I had paid. I would take copies of my canceled checks to the local branch and they would compare my records with account. They told me on five different occasions that for some reason my payments would go into an account and placed on hold and not being applied to my mortgage. On the previous five occasions they would figure it out and within a month or two we would have to go through the process again. 

On Tuesday XX/XX/XXXX I had an appointment at XXXX XXXX XXXX in XXXX  XXXX Indiana with XXXX XXXX, because my payments were not being applied to my loan again. XXXX compared our records and stated he didn't understand why it was showing a non payment as he was looking at my canceled checks. She stated I needed to talk to his supervisor XXXX XXXX because he did not know how to fix it. XXXX was not in the office that day so I had to make another appointment for XX/XX/XXXX. 

XXXX got extremely aggravated when speaking to me and started belittling me. She stated my account was a mess and I'm missing payments. Her and I got into a verbal argument over this situation. I explained to her that this is ongoing and I didn't need to be talked down to, that I am the one leaving work early and wasting my time to resolve the problem. I made a complaint with 5th 3rd Bank due to her lack of professionalism. 

On Thursday XX/XX/XXXX XXXX XXXX contacted me and began to assist me in this matter. XXXX said I was missing three payments between XX/XX/XXXX and XX/XX/XXXX. I provided her with canceled checks from XX/XX/XXXX to XX/XX/XXXX and every month was accounted for. For unknown reasons XXXX quit contacting me and her voice mail stated she was out of the office. 

Around XX/XX/XXXX XXXX XXXX contacted me and stated she would be handling my case. She stated I didn't pay two month in XXXX ( which were different than XXXX stated ). I provided her with the same canceled checks showing my mortgage was paid. XXXX stated she spoke to her supervisor ( unknown name ) and they were turning my case over to the Mortgage Research Department. 

I have contacted XXXX several times since XXXX of XXXX trying to fine out the status on my account and she says it out of her hands. She stated they will contact me with information when it's available. The only number she provided me was an XXXX number that is nothing but a customer service number and I got to repeat this whole thing. 

My monthly statements are showing me 30 days late ever month with late fees. My credit is receiving negative marks for being late every month and I can not get anyone to help me. They all act like they want to help until I provided proof of payments for every month they request. Please help me resolve this, eliminate my late fees and fix my credit. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (GA)

I did not make these charges. 

XX/XX/2022 XXXX XXXX, XXXX- {$800.00} XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX, NV, XXXX - {$1800.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$15.00} XX/XX/2022 XXXX XXXX XXXX XXXX, NV, XXXX - {$140.00} XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$2200.00} XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$43.00}
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/XXXX I contacted Commenity Bank after a week 's worth of trying unsuccessfully to register and pay my " XXXX '' Mastercard bill. I have yet to receive a statement ( either paper or via email ) from the company and I was trying to pay my bill online to prevent a late payment ( as a result of such ). I spent 20 minutes with the first customer care representative who failed to help me register my account online. I asked to speak to a supervisor who " magically '' registered my account. Today, when I attempted another sign-in to pay my card, I given the same error message that I have received on XX/XX/XXXX and the week prior which is that they were unable to locate my account information. They asked me to provide information within three separate boxes : 1.My credit card number, 2. My billing zip code, 3. The last four digits of my SS number. I input all of this information multiple times before being locked out of my account. I am assuming that my bill is now overdue and late. Can you please look into this issue for me? 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I have been trying to get my annual free credit report since XX/XX/2022 I have been put through hoops trying to get this report time after time I have repeatedly sent documentation such as my State Identification Card pictures and social security card pictures along with mail from my resident with my name and the address on it that matches my State Identification Card and yet they refuse to send me my FREE annual credit report this has slowed down my credit repair process extremely!!!!
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have been trying to get my annual free credit report since XX/XX/2022 I have been put through hoops trying to get this report time after time I have repeatedly sent documentation such as my State Identification Card pictures and social security card pictures along with mail from my resident with my name and the address on it that matches my State Identification Card and yet they refuse to send me my FREE annual credit report this has slowed down my credit repair process extremely!!!!
Consumer complaint received 2019-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (TX)

Each time I applied for XXXX and XXXX XXXX my loan was sold to another company and I'd have to start over, since it was a new lien holder. Each time it was sold my balance was increased by many thousands of dollars. That's not including interest. Then, when I finally do get to be reviewed for XXXX ... I'm rejected. I learned that out of over 5000 individuals who applied, around 200 were approved during the time I applied. That's not very much! 
I also learned that a woman in XXXX recently sued, having been XXXX, ( as myself ) by the SS Department, and she won - despite Public Law 104-134. 
I'm so XXXX that there are times I can't even move or ambulate at all. I'm bedridden  for hours out of the day. Other days I'm a bit better and can get out of the bedroom. I'm XXXX and there's no doubt about it. A XXXX XXXX Doctor through the SS Administration ruled in my favor in a XXXX Federal Court that I'm XXXX. So what's the problem here!? Why am I being denied XXXX and XXXX XXXX dismissal of my student loans.
Consumer complaint received 2022-10-03
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. (MN)

I have contacted all 3 credit Bureaus multiple times. I have. Sent them police report showing and trying to prove that there are accounts in my credit that should not be there. There is a personal loan with XXXX XXXX  that was fraudulent there is 3 credit cards one from XXXX one from XXXX  XXXX and one from XXXX  XXXX  XXXX  that should not be there. There is an auto loan with XXXX XXXX and another company that should not be there.
Consumer complaint received 2022-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (TX)

I applied for a home improvement loan from Greensky XXXX ( hereinforth referred to as " Greensky '' ) in XXXX or XX/XX/2022 ( I do not recall the exact date ). A hard inquiry from Greensky appeared on my consumer credit report. However, I received a letter shortly thereafter that stated that my application was denied because " my information could not be verified ''. 

I found this reason to be too vague and likely erroneous. Therefore, I decided to send a letter to Greensky on XX/XX/2022 to request clarification and to request that they move forward with the application. I enclosed a copy of my Texas Driver License and the letter from Greensky for reference. 

Unfortunately, I did not receive a response from Greensky. I re-sent the letter about a month later. I still did not receive a response. So far, Greensky has been completely unresponsive. I find this to be highly unethical. Greensky should not have initiated a hard credit inquiry if they had no intention of processing my application.
Consumer complaint received 2022-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

A debt collection company, Jefferson Capital System, is reporting a debt that I believe isnt mine. I have asked the company for the original contract with my signature, to prove the debt is mine, and they will not comply. Disputed wirh credit bureaus asking for same documentation that they are required by law to produce and credit bureaus closed out my dispute with what I feel was an improper resolution.