davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
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. (NC)

Equifax is reporting inaccurate data from XXXX XXXX XXXX XXXX. I do not owe this collection agency and sent a debt validation letter to Equifax, XXXX and XXXX. XXXX and XXXX have removed the collection reported however, Equifax has not. Thus, I am filing a complaint for immediate removal of this inaccurately reported collection.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group (NJ)

My wife have an XXXX  and XXXX XXXX after seeing the radiologist  report about XXXX, I took emergency hospital XXXX  health center. I was with my wife and did not introduce myself that i m also doctor, and I just want to see their responsive. The Tech came and see my wife and tell my wife some unnecessary test to do which i decline and came back without see any doctor, and they don't give us any room and anything. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX and paid {$100.00} detectable. 
Later on I receive the latter that my wife owe {$1100.00} when I call my insurance they said hospital did not apply proper code for this bill otherwise we don't have any problem to pay them. I call the XXXX state health center to correct the code, and they told me let me tell the doctor which is unbelievable for me that I know that no doctor see my wife. Anyway, this look like health scam and I need a proper investigation on these charges and issue, otherwise i feel this is totally racism and discrimination.
Consumer complaint received 2021-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (NY)

I am filing a complaint against CREDIT CONTROL , LLC XXXX CREDIT CONTROL & XXXX  ACOUNT # XXXX ORIGINAL CREDITOR : XXXX. I wrote to them on XX/XX/XXXX for validation they received the letter on XX/XX/XXXX. They responded back on XX/XX/XXXX past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. Please have them send me something bearing my signature. I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : 1 ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, Nelson vs. Chase Manhattan. Extent of damages incurred by the wronged partly as deemed by the courts. 3 ) Liability : Bryant v. TRW - the Defendant consumer reporting agency unsuccessfully argued that, under 607 ( b ) of the FCRA ,15 U.S.C. 1681 et seq., it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. 4 ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA Section 623 CUSHMAN, v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. Extent damages incurred by the wrong party, as deemed by the courts. Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I have maintaining a careful record of my communication with you for purpose of filing legal matter
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (AZ)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-11-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (TN)

My father paid off TD Auto Financing on XX/XX/XXXX. There was an auto draft on the bank account for a monthly sum of {$880.00}. My father was hospitalized a few days later and did not have a chance to cancel the withdrawal. TD Auto continued to draw the {$880.00} every month for the last 5 months. I became the POA and called the company. They refused to talk to me until they had my POA, in the meantime my parents account was over drawn. They sent a check in XXXX for 2 of the overpayments and continued to draw the payments on an already paid off vehicle. Again, they sent another check for 2 more payments and we still have not received the last payment. I called the company the last of XXXX and talked to a supervisor. He said that if there is an overpayment the company returns the money and cuts a check on the 24th day after the overpayment. I asked why did we receive 2 payments at one time if that was the case? He could not explain that. It is now XXXX XXXX and a check was suppose to be cut on XXXX XXXX. I called and the check is suppose to have been cut on XXXX XXXX ( we still do not have it ) which is much longer than 24 days per their policy yet again. After I looked at the printed out check for a payment ( on a truck that was paid off ) from my parents bank I noticed that TD Auto wrote the check themselves and cashed it.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.
Consumer complaint received 2019-02-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CORELOGIC INC (NC)

Please accept this Requests for Information under XXXX wherein I am requesting documentation relating to the request made to CoreLogic for the payment of Real Property Taxes, to the XXXX XXXX County Tax Office for property the address of XXXX XXXX XXXX XXXX XXXX, NC XXXX  for years ; XX/XX/XXXX, Bill # XXXX in the sum of {$13000.00} on or about XX/XX/XXXX and XX/XX/XXXX, Bill # XXXX  in the sum of {$11000.00} on or about XX/XX/XXXX. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.
Consumer complaint received 2019-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (OR)

Collection company XXXX  called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.
Consumer complaint received 2024-11-06
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)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MA)

I have a Fidelity credit card. On the card was mostly a charge for my son 's college bill of approximately {$9500.00}. The entire credit card bill was {$9800.00}. I had money in my son 's educational account to pay most of the bill and was assisted by someone at Fidelity to transfer this money over to the credit card account. A small amount of additional money was needed from his account for which I sold a bond. This was not going to be credited until XX/XX/XXXX. I had other means to pay the bill but wanted to pay directly from my son 's account for tax reasons. The Fidelity representative told me not to be concerned because the credit card withdrawals were never made on the due date. 

On XX/XX/XXXX I kept an eye on the account and called Fidelity to check on whether or not the credit card withdrawal was being made ; there was no alert from the credit card department, which is a separate company, about an upcoming payment. The Fidelity representative told me that if there was to be a transfer it would have shown up. By the last time I checked at XXXX XXXX  there was still no alert so I assumed everything was all set. Several weeks later i got a notice that none of the bill was paid. I called them and was told that the payment hit in the middle of the night despite there being no notification during the business day. Instead of taking what was available, they took nothing and charged me a large fee for nonpayment. Even though all the money was in the account for the payment by XX/XX/XXXX the money was left untouched and no one notified me of the problem. Is there a law that was violated requiring the credit card company and/or the bank to give a heads up by the end of the business day that money would be pulled from my account that night? The payment went through so everything looked right with the account but it was rejected on XX/XX/XXXX. I feel taken advantage of ; there was no way to get this straightened out despite all my efforts. 

In summary, the credit card company should have provided a heads up the day that the money was to be withdrawn so I would have known and paid a different way. There must be a law about this because I have always received such alerts in transactions of this type. Given the lack of notification, the credit card company should have withdrawn the funds on the XXXX. By then the money would have been in the account. Plus they had my phone number ; obviously I was trying to pay the bill since most of the money was available for the payment. They should have at least applied that money. In fact some of the money was cashed in rewards from the credit card itself. Not even that was applied.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

inquires are from car dealers. They where only supposed to run 1 report with a finiical bank not 13, 37 these should go off my report.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (IN)

I called for my neighbor, as he ask me to send a fax to Wal-Mart / Synchrony Bank. I have my own account and when customer service is called from my home they link the information with my account. I ask for their fax number to collections and the agent refused to give me a fax number. So I requested to speak to a manager, manger gets on phone and I tell her that I need the fax to the collections department and all she wants to do is argue with me. Makes excuses for not giving me the fax as she said they have so many areas with faxes and I told her again it was for the collections department. She still refused to give me a fax number. I told her I would be filling a complaint with you and I hung up. A simple request for a fax number and they act like you are going to steal their paycheck. This is totally uncalled for.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I am extremely disappointed with purchases I made with XXXX this summer. I'm not dissapointed with the customer service -- the sales engineer genuinely did his best to find the right equipment in my budget. I'm not disappointed with the equipment -- the gear was exactly what I wanted. I'm disappointed with my 48 month financing through XXXX and Synchrony Bank. 

My monthly payments were advertised as less than {$50.00} with no interest. I could pay it off within 48 months. I appreciate having the equipment I need to do my job immediately. I would even agree to pay more over time for the ability to have the equipment I need right now. That's why I jumped on the opportunity to pay over 4 years with no additional charges. And then my first bill from XXXX was {$75.00}. 

I figured I was paying for extra charges up front and then my bills would be reduced later on, but I have bills for {$75.00} or more every month. I pay roughly {$45.00} on my balance each month, and then I pay an additional {$30.00} of fees. I did not know about these fees or the amount until I received my first bill. I'm charged {$38.00} for late payments with no grace period. Monthly, on average I'm paying exactly 2/3 of what should be owed on my balance on additional fees. On bad months, I could be paying 151 % of my balance payment in fees. I will pay {$1400.00} over four years in fees alone. My original balance owed is less than {$2000.00}. It's difficult to communicate just how disgusted I feel. 

XXXX is a company that, on its face, values its customers. They are famous for their sales calls. Most music professionals and hobbyists I know have only the best things to say about XXXX. For a company with this reputation to offer credit with these exorbitant hidden fees is both deceptive and exploitative. I will never buy from XXXX again. I will make sure my friends, students, clients, and audience never buy from XXXX. 

Synchrony bank is absolutely gouging its customers with fees. What I am paying in fees is such a high percentage of the balance owed that I feel they are simply running a scam and exploiting people.