davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
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. (OH)

There is an account on my credit report for Equifax that is reporting a fraudulent balance and payment history. Evidence was provided to Equifax from the creditor, XXXX XXXX to confirm the account balance and history can not be verified. See enclosed documents and letter, which shows that the balance can not be verified due to conflicting documents regarding the repossession costs, that the balance for GAP insurance conflicts contractual agreements, and that the payment history reported by XXXX XXXX does not match the credit report. 

According to Equifax 's response ( see attached ), the balance was updated. However, the actual credit report has the same balance.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I received a mailer from local attorney 's advising me that a suit had been filed against me in XXXX XXXX County by TD Bank. After searching the county database I found the court record that on XX/XX/XXXX XXXX XXXX XXXX  XXXX  had filed suit on behalf of TD Bank ( complaint not available for view ). 

I have not received proper notice prior to the suit to request a validation of the debt. I believe the suit is meant to be an INTIMIDATION tactic and is an EXAMPLE of a PATTERN of ABUSE of the legal system practiced by this collection agency. I am unaware of any debt owed to TD Bank - I am unaware of any certified correspondence sent to my home or business validating the debt. 

CASE NUMBER : XXXX CASE STYLE : TD BANK USA, N.A. V XXXX, XXXX After speaking with on XX/XX/XXXX they stated that they did not show a lawsuit in their system. They claim a validation letter had been sent about the debt. 

This pattern of abuse of the legal system should be considered a violation of the FDCPA Sec. 808 ( unfair practices ). This firm has a long history of misrepresenting balances, validation and filed complaints by consumers. 

This agency needs to be sanctioned and fined if NOT sued by a class action.
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The first time my bank account was closed I was with Bank of America. I was trying to get a loan around XXXX of 2019 so I was online looking for loans because my job had just closed and I had no money to pay my credit card bills. So when I thought I finally got approved for a loan the people emailed and texted me and when I reached back out they called me. I thought it was legit but they asked for my account and routing number and I thought that doesnt seem right but then I thought maybe thats how I received the loan next thing you know my bank account is closed. I have screenshots of the messages and emails I can honestly say I was too excited to have a loan just because I wanted to pay my bills that I didnt recognize the signs that it might be scammers.
Consumer complaint received 2020-01-30
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. (MI)

Again Im having problems with my identity since 2014. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX  after I found an error with XXXX. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my XXXX XXXX my name is XXXX So since I couldnt get my report online they said I could get it by mail so I sent for it on XXXX XXXX from XXXX XXXX have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XXXX XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my XXXX  has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX   XXXX but all three rejected me. Its a lot of work being me. Thank you. XXXX
Consumer complaint received 2020-01-29
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. (NY)

I submitted a validation letter to XXXX XXXX XXXX XXXX, I also sent a dispute challenge letter to both XXXX and Experian back in XX/XX/2019. In reference to account XXXX XXXX  XXXX   XXXX : I recently received an updated letter from both companies XXXX  & Experian stating that the account has been verified. I have yet to receive a response from XXXX XXXX XXXX XXXX. If the furnisher has not responded to my validation request. How can XXXX and Experian verify this account?? This is a violation.
Consumer complaint received 2020-01-30
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. (MI)

Again Im having problems with my identity since XX/XX/XXXX. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX after I found an error with XXXX. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my ex husband my name is Mudd So since I couldnt get my report online they said I could get it by mail so I sent for it on XX/XX/XXXX from XXXX XXXX have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XX/XX/XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my ex has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX XXXX but all three rejected me. Its a lot of work being me. Thank you. XXXX
Consumer complaint received 2024-10-31
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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Windham Professionals, Inc. (GA)

Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting ( IN ERROR ) a delinquent account ( Automobile Policy Number XXXX ) that was FLAT RATE CANCELLED when they DISHONORED THE POLICY. XXXX owes me {$3200.00}. They attempted to NON-RENEW MY CONTRACTED AUTOMOBILE POLICY CAUSING ME MUCH ANGST. They were reported to Georgia Office of Insurance and Fire Safety, and a hearing DEMANDED PURSUANT TO O.C.G.A 33-2-17, b2. I HAVE BEEN GRAVELY AGGRIEVED. 

Now, they have given a debt ( I DO NOT OWE ) containing MY PRIVATE AND CONFIDENTIAL INFORMATION TO POOR XXXX XXXX DEBT COLLECTORS WHO ARE HARRASSING, ANNOYING, AND STALKING ME. Windham debt collectors for XXXX have been advised to CEASE AND DESIST AND XXXX  DEMANDED TO PAY FLAT RATE CANCELLATION IN THE AMOUNT OF {$3200.00}. The Georgia Office of Insurance and Fire Safety DEMANDED TO GRANT HEARING BEFORE COMMISSIONER, XXXX XXXX XXXX, PURSUANT TO O.C.G.A 33-2-17, b2 Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

In XX/XX/2016 I moved to Florida. I had been paying the exact same amount for my car lease for years. Months later, I received a letter from Toyota Finance informing me that I had been underpaying for months and I owed significant penalties. I had never been late on a payment in over a decade, and I was never informed that my monthly payment had increased due to my move. I never ever missed a payment, I was underpaying because no one bothered to tell me my monthly payment increased. 

I have disputed this information on my credit report twice, and the most recent dispute resulted in an update to my account which now shows I was 60 days late instead of the 30 days it showed previously. I feel I am being punished for disputing this information. My credit score has now dropped even further because of this retaliation. This is extremely unfair.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RAS LaVrar, LLC (FL)

On XX/XX/XXXX I received a mailer from local attorney 's advising me that a suit had been filed against me in XXXX XXXX County by XXXX XXXX. After searching the county database I found the court record that on XX/XX/XXXX RAS LaVrar Law Firm had filed suit on behalf of XXXX XXXX  ( complaint not available for view ). 

I have not received proper notice prior to the suit to request a validation of the debt. I believe the suit is meant to be an INTIMIDATION tactic and is an EXAMPLE of a PATTERN of ABUSE of the legal system practiced by this collection agency. I am unaware of any debt owed to XXXX XXXX  - I am unaware of any certified correspondence sent to my home or business validating the debt. 

CASE NUMBER : XXXX CASE STYLE : XXXX XXXX  XXXX, XXXX. XXXX XXXX, XXXX After speaking with on XX/XX/XXXX they stated that they did not show a lawsuit in their system. They claim a validation letter had been sent about the debt. 

This pattern of abuse of the legal system should be considered a violation of the FDCPA Sec. 808 ( unfair practices ). This firm has a long history of misrepresenting balances, validation and filed complaints by consumers. 

This agency needs to be sanctioned and fined if NOT sued by a class action.
Consumer complaint received 2020-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Again Im having problems with my identity since XX/XX/XXXX. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX after I found an error with Transunion. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my ex husband my name is Mudd So since I couldnt get my report online they said I could get it by mail so I sent for it on XX/XX/XXXX from Trans Union have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XX/XX/XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my ex has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX   XXXX but all three rejected me. Its a lot of work being me. Thank you. XXXX
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (CA)

I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX XXXX ( XXXX  ) complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations your agency perpetrated under the FCRA, while notifying your agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.
Consumer complaint received 2024-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

On XX/XX/year> the portal showed that XXXX of my loans had a balance due on XX/XX/XXXX for {$55.00}. I turned autopay on and verified on XX/XX/XXXX that autopay was turned on. The page now showed that {$0.00} was due and that {$0.00} was scheduled for XX/XX/XXXX. I know this is not true. No payments had been applied to my balance yet. And regardless of any payments made, autopay will always be pulled on the due date. So problem XXXX ) the amount of {$0.00} scheduled is wrong. Problem XXXX ) the amount due XX/XX/XXXX is wrong, it should have said the actual amount due of {$55.00}. This information is crucial because I am trying not to pay ahead while my employer also makes payments.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

This company is reporting a Collection account on my report, that does not have the correct status, not correct history. They claim that I called into their offices to claim the debt as mine, which is wholly incorrect, and I demand to see proof. I also asked for proof of the debt that they claimed that I owed to be sent to me, via disputing with the credit bureaus. They ignored my request, and nothing has ever been sent. 

My account with the utility company has been paid in full, directly to the utility company, and is currently in good standing. This collection company has no dealing with me, no contract, and no promise to pay. I have never had a contract with them, and they have no right to report incomplete account information on my report. 

I am now requesting that they send me a complete and detailed report of their claimed right to report negative information to the credit bureaus about me. 


Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Consumer complaint received 2020-01-29
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: Bread Financial Holdings, Inc. (FL)

Comenitycapital/XXXX  is listed as a hard inquiry on my Credit Report, for which I have no knowledge of nor have I contracted with them. Comenitycapital/XXXX  has not provided any contact or account information so that is verified or validated. On my credit report simply indicates " No contact information has been reported by this creditor. '' This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. 

I have disputed this inquiry CFPB Complaint number XXXX-XXXX  on XX/XX/18 and did receive a response from Comenity Capital Bank. The response which is also attached advised " If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX. '' I have followed the proper chain of command verified my information with their customer service representative to no avail. The representative advised that he would be sending me a letter in the mail, I have yet to receive. 

This is a fraudulent inquiry, I did not and do not need any business for XXXX XXXX XXXX. I have no idea who or what company this is?
Consumer complaint received 2020-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Improved Data Services LLC (NY)

I am receiving calls which are even calling me at my job asking to speak with my supervisor and tell him that I steal money from him, I felt threatened by XXXX XXXX who calls me from the number XXXX on behalf https : //improveddataservicesllc.com/ he says that I have a legal problem and that I go to jail if I do not pay him, I would like to be sent proof that I made a loan to this company, I am afraid they are trying to make me lose my job.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

There is a capital one auto finance account on my credit report showing a payment history of charged off the account was never late and paid in full I have proof from capital one but after several attempts the bureau continues to report negative payment history and incorrect information
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-01-29
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. (TX)

XXXX  and Experian are reporting incorrectly that I am ( 120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION (CA)

This is the second, time. I have already completed this report before. Y our firm have done anything for me to help me. I am XXXX years old man trying to make this payment of {$470.00} with a rate of 35 % is hard. I have you to look into one main Financial lending process. Can someone please help me with this problem. My loan was {$13000.00}, I have 10 payment and it still {$13000.00}. can you tell me what wrong with this picture.
Consumer complaint received 2020-01-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2020 Spoke to XXXX requesting resolve of fraud on my account After 45 mins she had to transfer me as she could not understand I explained to XXXX I HAD XXXX  XXXX I COULD NOT HOLD PHONE MUCH LONGER WITHOUT THE PAIN  FROM HOLDING PHONE CAUSING XXXX  XXXX PLEASE I CAN NOT HOLD MUCH LONGER She treathened to send EMS to my home IF I DID NOT CONTINUE TO HOLD EVEN LONGER Please LOOK AT MY RED PAINFUL XXXX  XXXX! ( * How cruel to require me to HOLD OR ELSE SUFFER CONSEQUENCES * ) THIS ON LINE BANKING ONLY GIVES ME NO ACCESS ON LINE EITHER XXXX PEOPLE HAVE RIGHTS MY CIVIL RIGHTS DENIED ALL OTHERS CAN GAIN ACCESS USAA has been telling me for 2 years they will correct Then they send me to collections WITHOUT GIVING ME ANY ACCESS ON LINE OR BY PHONE AND TGEY HAVE NOT RESOLVED FRAUD/ID THEFT ON MY ACCOUNT
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.