davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc. (TX)

I recently discovered XXXX accounts reported on my credit report from a company call Alcom. I didn\\\'t recognized those transaction and i filed a disputed. While in dispute Amcol send me two letters requesting payment from medical bills incurred by XXXX XXXX. this letter that came in the mail violated the debt collection act the provided any debt collection agency from contacting a disputer when the deb is in dispute. The act provide penalties for companies that violate the statute. however this company stated that they don\\\'t go by the debt collection act. they said they only go by their company policy. Furthermore, this debt does not belongs to me. This medical bill belongs to XXXX XXXX and they should charge or attendt to collect the bill from her. I never sign any documents nor summed responsibility for any bill of anyone. I demand Amcol to immediately remove the information from all credit report agency affecting my credit between 30 days. failure to comply they will be subject to all penalties by law and actual damages not limited to punitive damages for acting with knowledge and malice. XXXX company is required to act diligence in verifying the debt. they do not have not right to collect debt from anybody else that have not incurred the debt. XXXX
Consumer complaint received 2016-01-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I am currently making monthly payments to Credit Acceptance for a car loan, in a duration of 4 months. I purchased the car in XX/XX/XXXX, and made a XXXX dollar down payment, with the vehicle costing a little over XXXX dollars. My monthly payments are XXXX dollars, and I learned that the value of my XXXX Chevrolet Cavalier, was only worth a little over XXXX dollars in XX/XX/XXXX, as a book value. Meaning, that I was overcharged by Credit Acceptance as well as the car dealer. This will result in a legal court case if I am not compensated.
Consumer complaint received 2016-01-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (TN)

TD Banknorth holds my Home Equity Line of Credit account number XXXX. One month ago the sent a billing to me with a payment that is 4 times what the typical payment has been. This is a adjustable rate loan with an APR of 2.74 according to their online statements and paper statements. I have sent XXXX secured messages to them on the website asking for documentation as to how the payment increased 4 times. I have recently received a letter threatening foreclosure and they are charging me late fees and reporting my loan as delinquent. I have paid as agreed and have the documentation of such. I called today to speak with their collection department and the individual gave me a multitude of wrong answers. There are no changes in my statements that would reflect anything other than the terms I have had for 10 years. If they have made changes to my Home Equity loan terms there have been no compliance documents sent at all. They are not able to provide me with any reasons why the payment has changed 4 times. They are reporting me as delinquent and sending me letters regarding foreclosure and saving my home as I am current and have been at all times.
Consumer complaint received 2015-11-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC (TN)

We have a loan at Titlemax here in XXXX Tennessee we never been late we did have our pay day moved because we only get pay on the XXXX. This month I went to make a payment the loan is in my wife name we have XXXX loans on her car I make XXXX payment she makes the other. This month however as I went to make a payment they had moved and would n't take a debit card payment I do n't carry cash with me. So I made the statement I do n't carry cash and I will try to get back one day that week to make a payment. The XXXX guy who claims to be a manger said I had until Wednesday to make the payment I said once again I will be back one day this week again he said you have until Wednesday to make a payment I ask him than what you going to take the car throw me in jail beat me up. He never would say what would happen he was just a XXXX finally I told him if he came and took the car I would sued his XXXX. I walked outside to leave he follow me out and told me not to come back that XXXX could come and make a payment I told him we both made the payment and he did n't have to be just a XXXX. I call Corporate finally and the district manager called me back and he said I had 31 days being late before they could come and get the car. My wife finally went and made a payment and the guy told her I was cussing in front of customers. That is a lie from XXXX there was no customers or they was invisible ever XXXX else the employees was out to lunch but XXXX guy, I will tell him to his face he is a XXXX liar he bully me threaten me and cuss me out he had no right to do this. 

The car finance is in XXXX name XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of list account types from XXXX XXXX with a balance of {$29000.00}, XXXX XXXX  with a balance of {$210.00}, XXXX XXXX with a balance of {$470.00}, XXXX with a balance of {$500.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There is a negative item on my report that only Tranunion has not removed from my report. The name of the original creditor is XXXX XXXX XXXX XXXX XXXX that states that I owe {$1000.00}. This is not mine and I have a letter directly from the Creditor ( Insurance company ) that validates this error.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts - Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax, I am writing to formally notify you that I am a victim of identity theft as a result of the recent data breach. Fraudulent accounts have been opened in my name without my consent. Pursuant to 15 USC 1681c-2 ( a ), I am requesting that you block and delete all information associated with these fraudulent accounts from my credit report. 
Please find enclosed copies of my identity theft report, along with other supporting documentation, to substantiate my claim. 

The following fraudulent accounts have been identified : XXXX XXXX # XXXX I would appreciate your confirmation that this account have been blocked and deleted from my credit report as per the Fair Credit Reporting Act. Additionally, I request written confirmation once the requested action has been completed. 
Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me using the details provided above. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (TN)

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 2016-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

I left my apartment before the lease was over and according to the lease I had to pay XXXX plus give 2 month notice. I did exactly that and was told they would rent the apartment asap ... they rented it right away and never notified me. I emailed them and they notified me i still owed XXXX soon after, i was notified after i again emailed them that amount owed was reduced to XXXX and i should call I Q Data international to pay this amount. I called this company and found out it is a collection agency. I tried to ask them for a payment plan and then offered to pay the full amt in 30 days of which they refused, screamed at me..put me on hold for a long time, refused to accept my check and said they would kill my credit and no matter what i did it would not be good enough. i asked for a bill and they refused to send me a new bill showing the break down of what i owed. i tried to deal with them XXXX and each time they wanted to know where i worked and threatened me with going after my credit. i wanted to pay this bill ... they kept saying a check was not acceptable. I dont know what to do at this point. they are horrible nasty people. i am trying to get in contact with my old apartment and ask them to take the money and send it to them as i can not deal with them.
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (SC)

An apartment complex has sold a debt to Hunter Warfield in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and Hunter Warfield. Both XXXX and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debt, and they will not provide me with this verification. The reporting agencies and Hunter Warfield refuse to remove the account from my report and my next step is legal action, Plain and simple ; This debt is not mine.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sent an email notifying that I will be auto subscribed to the XXXX XXXX  XXXX  and they will share all my debit and credit card details with them without asking for an explicit consent to do so. 
When I tried following opt-out instructions with XXXX  itself , as shown on their website I was unable to complete a request, because they never delivered confirmation code to neither phone or email I provided. 
Overall it seems like I can't opt out of XXXX XXXX, because BofA decided that I will work with XXXX because they wish.
Consumer complaint received 2015-09-16
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (ID)

We closed on a home and need to forward the funds to current mortgage. We had the escrow officer deposit the amount to our Wells Fargo account as a cashiers check so it would be available within a day but they are holding it for more than seven days! Our escrow officer said that was illegal to detain our funds and so we are following up with the appropriate agency 's involved.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WY)

I had an auto loan with XXXX XXXX  account # and they repossessed the vehicle while I was in hospice with no notice written or by phone that they where going to repossess the vehicle.i recently looked at my credit report on XX/XX/year> and noticed several inaccurate, inconsistent, incomplete information XXXX XXXX is reporting to the experian XXXX and XXXX according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.toyota mtr is violating my federally protected rights under 15u.s.c1681.please investigate this account and delete it from experian XXXX and XXXX is severely damaging my credit and I can't obtain an auto loan because of there predatory lending practices.i did not give written instructions to the company to report this account to my credit file and it is violating my federally protected rights to privacy and confidentiality.delete immediately. 
.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

these accounts listed has violated the fcra by not following the right to privacy and also for not upholding the opt out of reporting to third party agency 's. also these creditors did not uphold the gramm leach bliley act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

On XX/XX/year> I mailed XXXX, XXXX, and Experian my disputes along with my proof of ID about inaccurate info on my report. I never got a response so I called them many different times a couple of days throughout each week which took forever to reach someone and when I did they " didn't get anything '' XX/XX/XXXX I wrote the letters again and sent them proof of me sending the letters, this time with dispute letter, ID, affidavit, attestation, and court documents from the lawyer on case. It took me XXXX weeks and several hang ups from credit bureaus to respond that I had they still received nothing after I confirmed I was mailing to the correct address listed on website and from agents who worked there. 

XX/XX/XXXX, the same documents to the bureaus WITH A HARDCOPY BECAUSE THE REPS SAID THEY NEEDED HARDCOPY COURT DOCUMENTS FOR PROOF ALONG WITH MY ID. THEY CONFIRMED THEY STILL DID NOT GET ANYTHING.EVEN WITH RECIEPT PROOF FROM POST OFFICE WHEN I MAILED AND WHERE. 

XX/XX/XXXX, I mailed them this time expedited because reps on the phone were still saying they got nothing!! 

WHAT DO I DO WHEN THE CREDIT BUREAUS KEEP SAYING THEY HAVEN'T RECIEVED ANYTHING. ITS FRUSTRATING BECAUSE I CANT GET APPROVED FOR NOTHING. WHATS THE PURPOSE OF WASTING TIME AND MONEY IF THEY TAKE 3 MONTHS TO DO ANYTHING?! 

I wrote them cause I was a victim in a XXXX XXXX  case that involved XXXX  and my social security number being used for others benefits. I sent my hard copies ( that credit bureaus said was needed ) off and never got them back My lawyer advised me that credit bureaus violated me under The Debt Bondage Repair Act ( DBRA ). 
This includes 15 USC 1681 stating I have rights. XXXX AND EXPERIAN have violated my rights many times and I need the accounts removed. I have a right to privacy and did not give XXXX or experian to furnish these accounts under 15 USC 1681 ( a ) ( 4 ). 15 USC 1681 ( a ) ( 1 ) I was violated because they aren't reporting accurate information which undermines my ability to do anything in life. IM A REAL/NATURAL/LIVING PERSON AND I HAVE RIGHTS PLEASE HELP BECAUSE I CREDIT BUREAUS ARE NOT HELPING WITH NOTHING. I AM GOING TO WRITE STATE OF ATTORNEY ALONG WITH XXXX. I WILL TAKE LEGAL ACTION BECAUSE THIS INFORMATION ON MY CREDIT FILE IS INACCURATE!!!
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I was deeply disappointed to find unauthorized inquiries on my credit report this evening. I always check my credit report regularly, but this time I noticed discrepancies that weren't there before. Even after refreshing my browser, the unauthorized inquiries remained, which was frustrating. I request a thorough review of the documents Ive sent to ensure that I wont have to worry about this again.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting.To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX Experian Information Solutions, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items.I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts.If information is not provided or the false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Please remove any hard inquiries and fraudulent accounts off my credit profile from Experian, XXXX, XXXX XXXX immediately. 

XXXXXXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/year> XXXX XXXX XXXX {$630.00} XX/XX/year> 2023
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.