davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (FL)

I was a victim of identity theft, I have made two complaints in the FTC department notifying each of the credit agencies EXPERIAN, XXXX, sending all my data from the accounts that do not belong to me, my identity and the complaint number that the FTC agency provided me, refusing to remove them from my cut, also request the creditors to send me a proof of the contract signed by me of these accounts that are reporting in my credit report through certified mail which certifies that they received it, which was not answered by them, so I open this dispute since there is no proof that I was the one who opened this account and someone used my data to do it, these accounts do not belong to me and these agencies are not doing the proper verification and violating my rights to fair credit by law. Disputed accounts that have not met the correct verification are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present veracity in any of the bureaus and also I do not It was I who opened them, nor have the creditors presented proof that these accounts belong to me. I ask that you intervene as the body that regulates these bureaus, since it is a process that they do not want to take measures to correct this, thanks.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Credit COLL Agency for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I have not received any validation information regarding a debt allegedly owed to Credit COLL Agency, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the agency has placed a collection on my consumer report without providing me with an opportunity to dispute the account, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

Furthermore, Credit COLL Agency has engaged in false, misleading, and deceptive practices. The agency has no authority to furnish any account to a consumer reporting agency without providing all required disclosures, and is in clear violation of 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ). 

I am disputing any and all debts owed to Credit COLL Agency and revoking their right to communicate with me via email, text, or phone calls. I am requesting the following : Debt Validation and Verification : Please provide me with clear and verifiable evidence that I owe the alleged debt.

Purchase Agreement : Please furnish a copy of the purchase agreement between Credit COLL Agency and the original creditor.

Licensing and Bonding : Please provide proof that Credit COLL Agency is licensed and bonded to operate as a debt collection agency.

I am requesting that the CFPB investigate these violations and take appropriate action against Credit COLL Agency. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (GA)

This cause of action is for damages based upon Receivable Performance Management deceptive conduct and efforts to collect a debt, RPM false and misleading representation to collect a debt, Receivable Performance failed to comply with the fair debt collection practices act ( FDCPA ), section 15 U.s.c 1692c, by way of governing communication between a debt collector and consumer without my prior consent from the consumer, and the Georgia Fair business practices act, ( O.C.G.A10-1-391, by way of causing I, XXXX XXXX to be subject to deceptive and unfair debt collection practices by way of causing my reputation to be defamed due to Receivable Performance extortionate means to collect a debt. I am bringing this notice to Receivable Performance attention to demand that you immediately cease all communication with me regarding the alleged debt you are attempting to collect, and to inform you that you are in violation of the fair debt collection practices act 15 U.S.C 1692c by way of governing communications between a debt collector and a consumer without the prior consent from the consumer, and in violation of 18 U.S.C 892 by way of gaining extortionate means to collect a debt by extortion of credit. Under the FDCPA, debt collectors are required to obtain prior consent from consumers before communicating with them regarding a debt. You have failed to obtain such consent from me, and as such, your attempts to contact me are in violation of the law. I demand that you immediately cease all communication with me regarding this debt, and that you provide written confirmation that you will no longer attempt to contact me through any medium, Furthermore, you have violated 18 u.s.c 892 by attempting to collect this debt through extortionate means. Specifically, I believe that you have threatened to harm my credit score or take other actions that would be harmful to me in order to pressure me into paying this debt. This behavior is illegal and unacceptable, and I demand relief and that you cease such practices immediately. If you fail to comply with my demands, I will be forced to take legal action to protect my rights. I reserve the right to seek damages and other remedies under the law. Please confirm in writing that you have received this letter and that you will cease all communications with me regarding this debt. Sincerely, XXXX XXXX
Consumer complaint received 2023-05-12
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

During the Pandemic my wife received a letter stating that she would be let go from her job because of the pandemic, In turn I could not pay on time 4 of my accounts, from credit cards to installment accounts. I submitted prove of documentation that they can see that not only did I missed past 30 days but there after I paid them i=on time and eventually I paid them in full. I explained that this dropped my score significantly and because of it I could not afford to purchase a home for me and my family. The reason I submitted to have to negative reporting removed from my reports was because I read online that if you had difficult paying on time because of the pandemic that they would work work with you if you can provide proof of what had taken place in your life like loss of employment. I want to also let you know that they took about 6 month to respond with letters sayin that they could not help me. The Dates that I missed payments past 30 days were after the lay off.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went online to see if I could get a loan on a car. in the process it came up that they wanted to get a free credit report which I agreed to. The next thing I know is trans Union has charged me a dollar in my checking account and then about a week later I see charges from Trans Union in my checking account for {$19.00}. I did not authorize these charges and was made to believe the credit report was free. Trans Union has agreed to reimburse my {$19.00} back but I would like to also get my {$1.00} back also. I would also like Trans Union to stop the practice of offering free credit reports when in fact they plan on charging you for them.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2023-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I was recently notified by XXXX XXXX that I was late 30 days on my auto loan with Toyota Financial Services. I thought this was strange because I didn't receive any communication from them and just submitted a payment on XX/XX/XXXX. I called in and spoke with a representative on XX/XX/XXXX Wednesday. This first person that answered after I went through the automation didn't respond when the call went live and hung up when I was saying hello. I called back and spoke with a gentleman and explained my issue. He stated that he saw my most recent payment and said if I would like an extension for the past due amount. I told him I needed an explanation on 1. Why I wasn't notified and 2. Which payment was actually past due. He stated that he just sees the past due amount. I told him I can pay the additional amount owed but I want to speak to whoever is in charge of reporting the late status to the credit reporting agencies. He stated he didn't know who or how to get me in touch with this person, but he can submit a complaint and these individuals would give me a call to discuss by the end of the week. I never was contacted by anyone. Seems to be a pattern. 

I contacted them again first thing Monday morning XX/XX/XXXX and spoke with a different agent. She stated that they denied my complaint. I asked why I was never contacted to discuss the matter and she stated they attempted to phone me and sent me letters. I explained that I never received a phone call from Toyota Financial Services and was for sure never left a voicemail. She stated that they attempted mail but when I called last week they didn't have my correct mailing address on file and had a work phone I don't even use anymore and has been disconnected since XXXX. I asked why I was never contacted via email as that is my preferred method of communication and she didn't have an answer for that. I stated that I receive an email confirmation when I make a payment and when my address was changed the previous week so I know they have that correct information. She was unable to assist me from this point so I asked for the call to be escalated to a supervisor or different department who is in charge of the credit reporting. She proceeded to put me on hold for 10-15 mins which now I believe she was discussing with her manager to get rid of my call because she proceeded to transfer me to a marketing division that handles these issues. I said ok, and when the next person got the phone I asked what her department had to do with my complaint she stated that she just tried to explain to the same agent that she doesn't handle these issues. I thanked her for being honest as she was pleasant to speak to after my frustration with the previous agent. I have a 100 % percent on time payment history across multiple creditors and I paid 2 monthly payments in the span of 1 week to address this issue all while dealing with this poor service from Toyota Financial. I believe they need to right their wrong and remove the late payment status.
Consumer complaint received 2023-05-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (FL)

American Express is banking a merchant called XXXX XXXX XXXX which is disreputable. Their practices are unfair and deceptive. 

I intended to purchase tickets directly from the venue- XXXX XXXX. When I searched for XXXX XXXX, the XXXX XXXX XXXX website, carefully created to look like it was XXXX XXXX, was presented to me. They sold me concert tickets at an extraordinary markup. I realized my error within a few minutes of making the transaction and called to cancel. 

Specifically, I called XXXX on XXXX at approximately XXXX XXXX. I spoke with XXXX employee # XXXX and requested she cancel my transaction, made in error. She refused. I encourage you to request a recording of that call so you can hear how this merchant stands on some fine print that I suspect many of their customers do not see or understand. 

At the time I purchased these tickets, the real tickets from XXXX XXXX werent even available yet. The real tickets went on sale at noon. This transaction was made before noon. 

I believe that the methods of this merchant are unfair, deceptive, and just really dishonorable. I asked both the merchant and American Express to consider why they would not refund a charge, mistakenly made, and both refused. To me, this is the epitome of unfair and deceptive acts and practices. Only merchants who are willfully gouging customers would stand on fine print when a customer, in good faith, requests a refund literal minutes after making a transaction. This is wrong and American Express is accountable because they bank such a disreputable company.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I filed a complaint with Transunion through this website and they continue to tell me that they will get back with me in 60 days. THEY HAVE NOT! They continue to say that they verified the bankruptcy that is on my credit report through XXXX and XXXX! 
In the case of XXXX v. XXXX the court ruled that they ca n't claim any court or government agency investigated or verified any public record, and that means they ca n't claim they verified it through a court website or XXXX. All those court websites state they do not guarantee the accuracy of the information on the website, and no third party looking at court records is qualified to make a verification as they are not a first hand party and have no first hand knowledge. I am Demanding to know who claimed to verify and I want their name, company they work for and all their contact information as they are slandering you and liable should you take legal action against them and their vendor. 
Please also note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ). 

This company does not care about the law and keeps making these errors that they are fully aware of that is an error! This will be my last complaint. I NEED TO HEAR BACK FROM THEM OR I WILL TAKE THEM TO COURT AND SUE THEIR XXXX!
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-12
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: Affirm Holdings, Inc (LA)

my twin sister opened this account up in my name with my ID. This account is not mine. I have vehicles with other places. Ive filed a police report in regards to this matter and ive eve tried calling the dealership requesting footage
Consumer complaint received 2017-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

XXXX and XXXX have deleted the XXXX account why I think having a auto loan in good standing would be good for my credit why was it deleted. There is no explanation. How much longer do I have to endure this I am literally ready to put a XXXX to my head this is XXXX. This game has to stop. There is NEVER any steps given how they come to there results.
Consumer complaint received 2023-05-12
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. (CO)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX  Account Number : XXXX Delete this account. 


Please remove it from my credit report. 
Oh by the way I hope you understand that the FCRA states in the section below 15 U.S. Code 1681c2 Block of information resulting from identity theft A ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter...

Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-05-12
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. (NY)

Equifax has not contacted XXXX XXXX XXXX  sufficiently to remove this off of my credit as a paid account due to a function of a racketeering endeavor of an information and credit manipulation manufacturer brokerage established against this plaintiff. This account is paid and a duplicate account with XXXX XXXX  has been established yet Equifax refuses to mark this account paid while XXXX and XXXX XXXX have to further this racketeering endeavor by XXXX XXXX in my opinion and an unknown racketeer working with them. I have attached the paid in full letter.
Consumer complaint received 2017-02-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

XXXX XXXX sold our loans to Navient. Naivent claims they 're unable to provide any sort of amortization chart simply because the loans are marked " variable interest ''. However, they 're also unable to answer how since 2012 when those " variable interest rates '' have yet to spike over 5.75 % that in over {$35000.00} worth of payments, almost {$20000.00} has gone strictly to interest leaving the other {$15000.00} to be applied to principal. I 'm not a genius, but that math just does n't add up to me. They 're scripted answers will not suffice for this household. After seeking council from a professional, we did some research and found that the Consumer Financial Protection Bureau has a lawsuit against the institution. " The lawsuit alleges that Navient provided bad information in writing and over the phone, processed payments incorrectly and did not act when borrowers complained about problems. '' They have continued to fail their customers by deceiving them when it comes to the ability to pay back their loans in a timely manor. These crooks are simply out to XXXX the dollars out of students and their families for as long as they possibly can. They have to be stopped. Loans should be easily consolidated when purchased by a third party rather than forcing the payee to split their payment over several loans. This adds to the confusion and makes it extremely difficult to understand where you are in terms of repayment, not to mention it makes it virtually impossible to ask questions over the phone with their terrible customer service workers.