davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TCF NATIONAL BANK (MI)

I had a credit card with TCF bank some years ago. 
At the time I opened it, they offered me 12 months no interest if the entire balance was paid before if not past the last statement of the 12 months. 
I paid every month during that 12 month period the minimum balance and got no interest charged. 
At the last statement, I paid off the credit card and balance completely, only to receive a statement for the next cycle with an interest charge for the balance I paid off. 
I disputed the interest charge saying that TCF Bank was not honoring the promotional offer they offered me. 
They sent the illegally charged interest to collections, an agency called The Bureaus, and had been damaging my credit score for some time now.
Consumer complaint received 2021-04-28
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. (WI)

TransUnion didn't respond to any of my letters i sent out to them on XX/XX/XXXX and XX/XX/XXXX and { XX/XX/XXXX for this letter on the letter it state XX/XX/XXXX } but its was mail on the XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX all my correspondence with XXXX was through certified mail
Consumer complaint received 2021-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

When I purchased the house there were agreements made for repairs ..they were never repaired. XXXX bank owned it and in a month sold to wells fargo. The realtor assured us we only needed him it was a home that requires inspection for the type of loan it was Attached is pictures of contract. The add for The home was placed by tidewater properties XXXX XXXX XXXX was our realtor. My wife became deathly ill and we could figure it out nor could the dr.it took years.. andover those years many more problems became apparent .. the roof was never fixed called the contractor who did the work.. they told him to bandage it to the best of his ability. The air-conditioning company could not reach drain lines for condensation it ran under the house. The new pipes in the add was untruthful it was old steel pipes ..no lead inspection.. and ad water reports. Dispite this we worked with the bank let them know of problems the house is condemnable. The well was 30 feet. The inspector XXXX XXXX was friends with XXXX XXXX ..he passed the house.. lost my job of 15 years to take care of my wife who was dying with no answers ... We did forbearance in hopes of saving the house made 7000 lump payment. We had pmi on the home we consistently shared this info with wells fargo. State farm dropped our home owners insurance dropped us because it was unsafe. Also let them know. Mold started to appear from the unfixed roof 5 layer of shingles in spots ... water was running in the walls first was green mold then black mold and finally purple the most deadliest mold.. my wife was diagnosed with lupus sle with organ involvement XXXX XXXX and XXXX  she has XXXX been in comas my kids watched thier mother XXXX infront of them and me loosing my wife XXXX XXXX XXXX and XXXX  are a deadly combo.. we also found that behind the wood paneling was nothing but frame work no insulation. We informed the bank we feel they were fraudulent sold the house and so we're we .we notified the bank every step wells fargo. XXXX  to be workingt things out..we put every bit of cash we had to bbuy this hhouse wew were working on deed in lieu and other options when they sold my mortgage to rushmore hous
Consumer complaint received 2018-08-27
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: CITIBANK, N.A. (TX)

purchase a bus ticket online around the first week of XX/XX/2018 at XXXX. The ticket was for a family member who intended to travel to California. However, upon arriving at the bus station. My nephew was informed that in order to receive the ticket He would have to provide Identification which he lacked at the time. He inquired about a refund.However, since I made the purchase he was told the refund would be made to the person that purchase such ticket. In such case, I e-mail XXXX but with no luck. Since they fail to reply i decided to contact the credit card company, the one used to complete the online purchase. I filled a dispute and was temporarily issued a credit on XX/XX/2018, which was charged back to my card on XX/XX/2018.According to citi banks they were advised by XXXX that the purchase ticket was non-refundable.However, when my nephew first inquired about a refund there was no mention of the ticket being non-refundable. Instead he was told It would be credited back to the purchasing party. Furthermore, there was no service rendered nor was there any mention of the ticket being non-refundable. Also consider the fact that price I paid for the ticket was at least 30 % higher compared to other bus ticket to California.
Consumer complaint received 2018-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION (MN)

I have received 10 robo calls from XXXX XXXX XXXX in the last 4 days. I do not have any debt to this company and never have. I have asked them to stop the calls. The call frequency has increased since I spoke with them.
Consumer complaint received 2021-04-27
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. (FL)

XXXX is recording a late payment from XX/XX/2019 on my account ending in XXXX. Ive called multiple times regarding this late payment appearing on my credit report to have it removed because its inaccurate & erroneous. They first told me it would be removed, then they told me it wouldnt be. I asked for an investigation regarding a phone call I had with one of their representatives who assured me that it wouldnt be recorded because of a discover error locking my username. However it has been recorded on my report for several years. Ive been reassured that it would be removed several times. It has not. Recently I spoke with them and they said its verified and theres nothing thats reporting inaccurately. They refuse an investigation into the phone call because they dont keep recordings over 12 months. So they refuse to prove that it was their error & refuse to rectify my credit report due to their mistake. Ive asked multiple times for an investigation, they have not provided any paperwork regarding an investigation. Ive pushed them on the phone to get something more definitive but they constantly hang up. It has been more than 45 days since Ive received anything written.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX and XXXX are showing incorrect and inconsistent information. The false and inconsistency is in regards to the reporting of late payments. 

One agency will say it was late on XX/XX/XXXX but say it was paid on time on another agency. Vise versa with XX/XX/XXXX.
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (VA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-08-27
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

On XX/XX/2017 One main financial pulled my credit report for an application I never requested, applied for, or knew anything about. I have written letters to the company, disputed my credit report, and almost a year later, still no response and no resolution.
Consumer complaint received 2018-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I purchased a new XXXX XXXXXXXX XXXX XXXX in XX/XX/2017. The credit union I was going to use for financing can not lend on new cars out of dealerships in AZ, I live in CA. So, I essentially had to use Toyota Financial as my lender. 

I love the car and intend to keep it for years to come. I am also happy with the terms of the loan for the most part and planned to pay it until it was paid off. 

For reference, I have a perfect credit history including paying a XXXX mortgage on time each month plus XXXXmonth extra towards principal. I actually own a mortgage bank called XXXX XXXX and understand the importance of credit very well. I love helping educate people on improving their credit. 

In XX/XX/XXXX, out of the blue, Toyota Financial reported a 30 day late on my account to all 3 credit bureaus. Up to that time, I had been trying to setup an automatic payment draft for this account. I talked to Toyota about this many, many times. I kept raising my hand asking how to do this and was never properly shown. At many points, I actually was under the impression that I'd set it up correctly while on phone with Toyota. During the time in which I was under the impression that I was on the auto pay, my due payment was not drafted and I was then charged with a 30 day late. 

As soon as I was alerted of this ( by XXXX XXXX ), I immediately made the payment and called Toyota. 

Toyota essentially admits no fault or responsibility on their end. I pleaded with them for almost an hour trying understand their perspective in the manner, while trying to explain mine. 

My credit history confirms that I consistently pay my bills. Why would I choose not to pay this one? All of my accounts are on auto draft, why wouldn't I want this one on auto draft? 

I wish for Toyota to admit that they didn't adequately help me get into auto draft, when I called asked them to do this many, many times. Their customer service was so poor, that I actually thought I was in auto draft when I wasn't. That is why I have a 30 day late. 

I have since successfully enrolled in auto draft finally and continue to pay the account on time, just like all of my other accounts. 

I am so frustrated and feel like they won't listen to me. 

Please help get this 30 day late off my credit. My wife and I were going to refinance our home this fall, but if this 30 day late is still on my credit, we won't be able to. This is literally freaking me out and affecting my family - because Toyota didn't properly help me when I was asking for it. 

Please help. 

Thank you, XXXX
Consumer complaint received 2024-09-07
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. (NC)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$1300.00} from XXXX or XXXX Bank are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX  or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX, Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXXXXXX XXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-04-07
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-07
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2018-10-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

In XX/XX/2010 I had a ambulance ride to XXXX hospital. They mailed my bill to the wrong address and I could not submit it to my health insurance to be covered. They sent the bill to a debt collector called XXXX XXXX XXXX. This company was horribly managed and was almost impossible to communicate with or even get ahold of. After many months of trying to reach them to work out a payment plan I was finally able to get ahold of them and agreed to pay {$50.00} a month. I paid {$50.00} a month up until the Attorney General of Colorado shut them down for fraud. It appears they sold off the debt to Wakefield & Associates before officially closing doors. A quick XXXX search will confirm exactly how shady this company was if you had any doubts.

After my debt was sold to Wakefield & Associates. They went to court without my approval or knowledge and achieved wage garnishment for an amount that is almost double of my original bill. My summer employer XXXX agreed to the wage garnishment and has took % 25 of my paychecks this year.

The Debt is well past the Statue of limitation for a medical debt, Which is 3 years in the state of Colorado. It is also illegal to collect on a debt that has been collected upon through wage garnishment. 
Received an issue to go to the court within 14 days to get an appeal from the clerk, and could use help in removing this debt from my record.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of several accounts on my credit report that I do not recognize and have no knowledge of. The accounts in question are listed under the following names : XXXX XXXX Account Number XXXX XXXX  ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX I have thoroughly reviewed my credit report and can confirm that I have no recollection or record of opening or being associated with these accounts. Additionally, I have not received any prior communication, billing statements, or notifications from these entities that would indicate I owe any debt or have any financial obligation to them. 

Given that these accounts appear to be erroneous or potentially fraudulent, I am requesting an immediate investigation into their legitimacy. If these accounts are found to be reported in error or associated with identity theft, I kindly ask that they be removed from my credit report without delay. 

Please keep me informed of the progress and outcome of your investigation. I would appreciate it if you could provide me with any documentation or information you may have regarding these accounts to help resolve this issue as quickly as possible. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2018-10-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (AL)

firstly, I never remember taking out a non-federal loan with anyone while in XXXX schoolbut they said it is private so I guess I have to believe them. I have refinanced all of myfederal loans into one payment that I can afford. They started calling me about these and Ihad no idea what I would do. They worked with me at first and gave me low payment that I could afford then the servicer changed from XXXX to AES. The amount doubled and when I asked why they said something about interest and said next month would be lower it wasn't. The next month they called and said it was a temporary plan and this was my new amount. No one in customer service seems to know what they are talking about. I asked if I could refinance this in my federal loan since AES services federal loans and they said " no '' then I explained that I am paying my other loans and have a child and have had to take money from savings to pay the last 2 months. I can not continue to do this- I simply do not have the money and I work 2 jobs. If they can not do something to help me I will have no choice but default. Last year when I did not know I owed them they had a 3rd party  collection agency call me multiple times a day wanting to know when I would be making a payment. They really do not understand the concept you can't get blood out of a stone.