davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (OK)

TD Bank claims they debt discharged an account belonging to me? 
I have never done any business with this Bank. 
Never received any written notification 's. 
Don't know what this on? TD Bank does not show up on any of my credit reports and nothing showing any cancellation of debt, charge-off from TD Bank. 
I received a notice XXXX they had filed a XXXX in 2022 for {$6300.00}.
Consumer complaint received 2024-09-17
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TRANSUNION, AND XXXX TO PROVIDE ACTUAL VERIFICATION DOCUMENTS USED IN REINVESTIGATION RESULTS ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX I'm demanding that the consumer reporting agencies XXXX XXXX TransUnion XXXX and XXXX to provide me by certified mail the actual documents provided by the creditor XXXX XXXX XXXX account # XXXX, that was used to verify the account showing debt of {$10000.00} to be accurate in there reinvestigation results. 

If consumer reporting agencies XXXX, TransUnion, and XXXX can not provide me sending me by certified mail with the actual documents of verification that was used in their reinvestigations. I demand that this account to be removed due to unverifiable information.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Consumer Name : XXXX XXXX Consumer DOB : 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 Equifax 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 a credit card account from XXXX XXXX XXXX XXXX with a balance of {$21000.00}, a credit card account from XXXX XXXX  XXXX XXXX XXXX XXXX a balance of {$1100.00}, a Navient account with a balance of {$26000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (AR)

To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD, XXXX Acct Number : XXXX Case Number : XXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. 

This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Consumer complaint received 2024-07-23
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: EQUIFAX, INC. (FL)

Un-authorized inquiries 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 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 XXXXXXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2024-10-09
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: HUNTINGTON NATIONAL BANK, THE (MI)

I hope this letter finds you well. I am writing to formally request the removal of the above-referenced account from my credit report, as I have received a 1099-C form for the cancellation of this debt. The issuance of the 1099-C indicates that the debt has been forgiven and reported as income on my taxes, as per IRS guidelines . Furthermore, I wish to bring your attention to two sections of the Fair Credit R
eporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : This section mandates that consumer reporting agencies must follow reasonable procedures to ensure the accuracy of information in a consumers credit report. Reporting an account as charged-off when the debt has been canceled and a 1099-C has been issued is inaccurate, as the debt no longer exists.

2. 15 U.S.C. 1681s-2 : This section requires furnishers of information to provide accurate and up-to-date information to credit reporting agencies. Since the debt has been forgiven, continuing to report it as charged-off or delinquent is a violation of this statute. 

In light of these legal obligations and the cancellation of the debt, I am requesting that you immediately remove this charge-off and delete the account from my credit report. Doing so will ensure that the information reported is accurate and compliant with federal regulations. 

Please confirm in writing that the account will be removed from my credit report. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your time and consideration.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AR Resources, Inc. (FL)

I have a collection notice on my credit report that I have no knowledge of. I tried calling them and they will not speak to me without paying them money so I can not get anymore information like who the company actually is. I spent a few hours this morning trying to find out who it was but no luck. I spoke with a Rep from XXXX XXXX to dispute it but they want me to dispute it through the FTC. Since they can not provide me any information on the account and I do not have any knowledge of the account, I need to dispute it as fraud. It must belong to someone else.
Consumer complaint received 2024-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AR)

I sent a complete and detailed XXXX misconduct form XX/XX/year>. After waiting 30+ days for XXXX  to come to a decision, I receive an e-mail on XX/XX/year> telling me that I was denied but didn't list the reason why. Mind you this application included several court documents, some from the CFPB, that XXXX was guilty of misconduct. It is my belief that they are denying me for NO REASON.
Consumer complaint received 2024-10-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

According to the FCRA 609 ( a ) ( 1 ) ( a ) Transworld Systems Inc is required by FEDERAL Law to respond with all the requested information in my Validation letter with in 30 days. They have failed to respond in writing therfore they are in violation of the Law. I demand that they stop reporting this negative information to XXXX credit bureau.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXXXXXX 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 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Re : Account number : # XXXX I am writing in response to your recent communication regarding the alleged debt you claim I owe. While I acknowledge receipt of your response, it utterly fails to address my previous request for the contractual agreement between your company and myself. This is not merely a formality ; it is my right as a consumer to understand the legitimacy of any claims made against me. 
Furthermore, the transfer and sale of consumer information without consent are also governed by the XXXX XXXX XXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 6801, financial institutions must provide consumers with notice and an opportunity to opt-out before sharing personal financial information with third parties. I was unaware of any opt-in or opt-out services that would allow you to share my information, and you have failed to provide me with that information as required. 
Additionally, it is important to note that you are attempting to collect on a debt that the original creditor has already written off, which raises serious legal questions about your authority to pursue this debt. According to the IRS guidelines ( specifically, IRS Publication 535 ), a debt that has been charged off means the creditor has deemed it uncollectible and has claimed a tax deduction. Under 15 U.S.C. 1692a ( 5 ), a debt collector can not collect on a debt that they do not own, and if the original creditor has already been compensated for this debt through a tax write-off, it is not a valid debt for collection. 
Given these violations, I demand the immediate deletion of this account from your records and all credit reporting agencies. Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel to protect my rights. 

Kind Regards, XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX Employers : XXXX XXXX
Consumer complaint received 2024-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I am writing to formally express my dissatisfaction with the service I have received from XXXX regarding my student loan account. 
I have had XXXX  for almost 30 years for a private student loan. Many customer service reps have told me why I couldnt do a payment plan. I was once told that my loan was too old for any forgiveness or income reduction plan. I was denied a forbearance when I could not afford the payments. The times I was granted a forbearance my credit score took a hit because I was showing late payment status. Then when my co-signer passed away it took many calls to customer service monthly to get that figured out. 
I have attempted to resolve this matter through your customer service channels, but unfortunately, my concerns have not been addressed satisfactorily.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (MO)

Upon checking my consumer file in XX/XX/2024, I realized I had a collection account from Vance & Huffman. I was unaware of the debt because I never received notification from this agency about the debt per the FCRA. I then sent a verification of debt to this agency requesting the original contract of the debt I was suppose to owe. They responded with a letter saying I owe a debt for {$4000.00} for the original creditor XXXX XXXX. This isn't verifying a debt. That's just a bill. I responded back around XX/XX/2024 with a letter stating I need to see the original contract or itemized statement of the debt along with my signature. I'm still waiting on their response. I have said this with the other collection agencies who have tried to collect on this debt. No one has been able to show that this is my debt. They have the wrong person and the wrong DOB and Social for me. Vance & Huffman didn't even have my address until I sent out a validation of debt letter to them. Vance & Huffman has placed inaccurate and negative information on my consumer file and I would it removed immediately. Their actions by not following the law to report debt is fraudulent.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (CA)

In XXXX my identity was stolen and I had numerous credit cards opened under my name. I have filed a police report and an FTC report, as well as put a freeze with all my credit bureaus. I have successfully been able to close every fraudulent account opened except with First Digital/Synovus . They have been giving me an extremely hard time saying that while they can close the account from being used, I will still be liable for the bill because " the information used matches ''. It is quite obvious that the information would match because the person stole my identity and that is how they opened the card. They also told me there was a payment made, which was made the first time by the person who opened it and thereafter it was closed no payments have been made. The first time I sent them a handwritten letter with my report and it was denied, so I called and repeated the same process because they told me to do it again and it was yet denied again. At this point I'm unsure of what to do as their customer service reps either hang up or don't have an answer and it is ruining my credit. I don't even have the account number or card number as I was not the one who opened this account.
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/year> I had made my final payoff balance before my promotional period ended on XX/XX/XXXX to avoid accrued interest. I logged in like I usually do and clicked the pay balance option and then logged off my computer. On XX/XX/XXXX I went to make sure I had a XXXX balance ( because after reading a review this company likes to charge interest after you pay off the balance ) and to my surprise my payment never went through and they added on {$2500.00} of interest to my balance! I IMMEDIATELY paid off the prior balance and called them to explain the situation in which they did not want to listen to my issue. After researching I have found out that on XX/XX/XXXX ( the same day I made my payment ) Comenity had a major network outage which effected payments processing! I received a letter from comenity admitting that there was in fact an outage on that day and also THAT I WAS LOGGED IN ON THAT DAY. I do not log into my account for no reason, I log in to make payments. The company is still refusing to waive interest even after admitting the problem was on their end. They wont even work with me on cutting it in half just so we can move forward. Ive been a XXXX customer for XXXX years and Im not sure if theyre trying to help either. The dispute needs to stay open until there is some kind of agreement as this would be considered fraud on comenity by trying to charge me non valid accrued interest because of a network problem on their end. They can see I was logged in that day but they stated they cant see if I tried to make a payment and this is because their network to make payments was down!
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation (AL)

I am writing to dispute a fraudulent account that is being reported by XXXX XXXX XXXX for Covington Credit on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that XXXX XXXX XXXX for Covington Credit cease reporting this account and remove it from my credit report as soon as possible.
Consumer complaint received 2023-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit, Inc (CA)

Assignee/Lender Name : Audi Financial Services XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Re : Acct # XXXX ; Car Year : XXXX ; Make of car : XXXX ; Model : XXXX ; VIN Number : XXXX ; Stock Number : XXXX ; I am writing concerning the above-referenced accounts and transactions. 

This vehicle was repossessed by Audi Financial Services in the State of California on XXXX through a third party repossession party, XXXX  XXXX XXXX XXXX XXXX. 

Under the laws of the State of California, California Commercial Code 9609 and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Furthermore, according to California law, the repossession was illegal and a breach of the peace. 

On the day of the repossession, the repossession agent illegally broke into my car, then used intimidation during the repossession by blocking my exit from the premises, preventing me from leaving, therefore imprisoning me, which is considered a breach of the peace. Moreover, the repossession agent repossessed my vehicle after I instructed him not to, which is a breach of the peace. 

As per the California Civil Code, the creditor or the repossession agent must provide the debtor with a notice of the repossession, and it must not breach the peace. In this case, the repossession agent used force and intimidation, which constitutes a breach of the peace. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.
Consumer complaint received 2024-10-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Mid-Atlantic Finance Co., Inc. (FL)

I purchase a vehicle for {$6000.00} but at didnt have the full amount I give the {$4000.00} a month later a received a phone call from MidAtlantic finance they told me that I have a loan with them for the vehicle that I purchased. 6 months later I have trouble paying the car then the come and repossess the vehicle and told me that I purchased the vehicle for {$11000.00} something now I have {$6000.00} something to pay back when I ask them for the vehicle back they told me they sold it on a auction for {$4000.00} something and I still have to pay them back so please help me with them Mid Atlantic finance
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (NC)

When I applied and was approved for a credit card my name was spelled wrong by accident. My name is XXXX XXXX not XXXX XXXX. The customer service team told me to send my photo id to update my name and I sent it. It took weeks for customer service to reach out to me and they finally mailed me a letter saying I needed to send proof that my name was changed. This doesnt make sense there was a key XXXX error of one letter and they they are refusing to fix this error. I know my rights as a consumer.