davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AZ)

I have a collection on my credit report form Transworld Systems. However, I dont have an account with them nor ever did. They say they are representing XXXX aka XXXX  XXXX XXXX. However, I contacted XXXX  today on XX/XX/year> and they told me that I have no outstanding balance with them. I also contacted Transworld System today on XX/XX/year> and they told me I dont have an account open with them but they cant do anything about it being on my credit report. I am writing this complaint to get Transworld Systems out of my credit report since they are showing in my collections.
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (DE)

On Sat XX/XX/2023, I received a letter from TD Bank dated XX/XX/XXXX saying my account will be closing on XX/XX/XXXX. I tried to call the number on the letter but no one was available since It was on the weekend. So I called the customer service and find out why my account was being closed. The rep told me that the account was in good standing and that I wouldn't have to worry about my account being closed. So I requested to speak to a manager on duty, and the manager told me the same thing, my account was fine and there were no notes on the account saying the account was being closed. They assure me that the account was in good standing. The manager told that the language on the letter seems strange and said that it could be a scam. He told me to bring the letter to the local branch and verify it. So on XX/XX/XXXX, I brought the letter to the branch and ask them if my account was fine, they reassure me that everything is fine. And they googled the number on the letter and said that the number on the letter was part of some kind of scam. So I thought everything was good and not gon na call the number in the letter. On Monday night XX/XX/XXXX, I wasn't able to login into all of my accounts. I tried again on Tuesday. It was the same. So I called TD to find out what happened to my account, and they only told me that the account is closed. There is no information on why the account was closed. And told me to stop by a local branch to get more info. So on Wednesday, XX/XX/XXXX, I stopped by the local branch and ask them exactly what happened to my account, they all said they don't know why. I requested them to withdraw all of my funds but was denied. Was told my funds will be sent out bymail. I told them I don't want to wait for my funds in the mail. It would take too long for it to get to me and get the checked clear after deposit into my other bank. I am very disappointed with how they handle everything and how they treat me. As of today, no one has told me what exactly happened to my account. I hope someone else can see how TD is treating their customer. Everyone should stay away from them. They don't care about their customer.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$2.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00}.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I cosigned for my daughter for a vehicle on XX/XX/XXXX through Credit Acceptance. Vehicle was XXXX XXXX XXXX ( used, ) when vehicle was paid off we received all documentation stating that it is paid in full they released the title we have all documentation from the company that provide those statements. However it continued to be reported to the credit bureaus on my account as well as my daughters account when I went to dispute it through the credit bureaus, Credit Acceptance sent a document stating they needed more proof in regards to this matter which therefore I submitted copies of the statements received stating accountants paid in full receiving title account is closed, after that I then received from the company a letter indicating that that is correct and they will remove it from the credit bureaus which they have and then put it back on and keep on reporting it till this current date have reached out numerous of times it is not being resolved my daughter is trying to get her account cleared through XXXX XXXX we have submitted a complaint to the attorney general but may have to seek for a debt attorney do not know how to get this removed when they are constantly changing information to the credit bureaus in regards to this manner. Has impacted both credit scores tremendously
Consumer complaint received 2022-11-08
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. (TX)

I have tried to get an error fixed 3 times and XXXX  has failed to address the issue in all responses. Comenity express is showing late payments. I did not have a single late payment with this account. There was en error in processing from the bank that had nothing to do with me.
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IN)

XX/XX/XXXX sent letter via companies site requesting the following : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt.

2. The original agreement bearing my signature stating that I have agreed to assume the alleged debt including the original date the alleged debt became payable.

3. Valid copies of the original alleged debt agreement stating the amount of the debt and interest charges including the date of the original charge off and delinquency.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Provide proof that you are licensed to collect in the state of Georgia ; and 7. Your license numbers and Registered Agent.

Company has continued to harass me via telephone without providing proof of debt owed. I have verbally and in written form requested the phone calls to cease. They continue to call from new numbers each time I block them. this has happens daily. They have called from more than 15 different numbers. I spoke to an agent and told her stop calling me! I sent a cease and desist letter. They continue to harass relentlessly.
Consumer complaint received 2024-07-24
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: Experian Information Solutions Inc. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-06
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CT)

Hi, I had a fraud on my account. XX/XX/XXXX and XX/XX/XXXX. These XXXX days transaction happened. And TD bank was able to catch the fraud after XXXX transaction happened. They texted me I confirmed that it was fraud, I closed my debit card and I directly called the bank. These transaction happened in XXXX and I live in CT. When these transaction happened I was on the train ( XX/XX/XXXX ), I also have train tickets. When the other transaction happened I was at XXXX from XXXX XXXX to XXXX XXXX ( XX/XX/XXXX ) which I have email from the professor who confirms my presence at school. I also have a police report. Even though all these evidence TD bank refused the fraud XXXX times and they claimed that these transactions are belong to me. I really need help to save my money. Moreover, when I spoke with someone from TD bank they told me that my bank card activated in XX/XX/XXXX in some device which is the date that I got a text from XXXX and gave my information.
Consumer complaint received 2023-08-25
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. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX  XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There are discrepancies that I have found on my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX ( XXXX ) The discrepancies are listed below : 1 ) Number of months 2 ) High credit limit amount 3 ) Date last reported 4 ) Date last active 5 ) Date of last payment Creditor sent a letter of validation on XX/XX/2023 and failed to validate this debt. 
Under 15 U.C. Code 1681i ( 5 ) cause for removal of inaccurate unverified credit information.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

On multiple occasions, I have requested verification of my account details, specifically asking for proof of the periodic statements and the disclosures required under Section 1637 ( b ) of the Truth in Lending Act. I also requested evidence that these documents were mailed or delivered to me at least 21 days before the payment due date, as required by law. 

Despite my requests, I have not received the necessary documentation or verification. This lack of response and the failure to provide essential information are unfair, illegal, and fraudulent, and have caused me undue hardship as a consumer.
Consumer complaint received 2023-12-26
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. (NY)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX  6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Consumer complaint received 2023-12-25
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: Experian Information Solutions Inc. (FL)

I have a letter from XXXX XXXX XXXX XXXX, stating.in writing please removed from my credit file. Thank you. 
We're no longer the creditor on your account.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-02
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 (LA)

I received an alert that a new collection account was added to my XXXX and XXXX credit reports. The company, VANCE AND HUFFMAN LLC, listed a debt owed, for original creditor, XXXX XXXX. 
The issues here are, this account has dropped my credit score. I was not made aware of the debt. I was not provided with formal communication ; a written letter explaining what the debt is for and my rights to dispute and or request debt validation. As according to the FDCPA. 
This account was added on XXXX XXXX. I received nothing in prior months from either company associated with this debt. I have lived at the same address for XXXX years. It is apparent, no attempts were made, in order to verify or justify any of what was reported to the bureaus listed. 

I have had many issues in the past, with accounts being opened with my information, as my wallet, that included driver 's license, checkbook, social security card, and children 's social security card, was stolen at a gas station. There has been a police report on file with all three bureaus. I will not admit to a debt that I has not been properly validated.
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Care Credit by Sychrony Bank closed my account. Their reason is because I have other cards with balances and my credit score is a bit low. First, they greatly reduced my credit limit, and now they closed it. 

This is an unfair business practice. I was never late with any of my payments. All of my accounts are in good standing, and so was Care Credit. Now I do not have a card for medical emergencies, including pet care. I contacted them and they were not understanding and said once a decision is made, they can not reverse it. 

I do not think they have the right to do this.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (NY)

Attempted to open a savings account and it went to review for verification. XX/XX/23 received a call and a voicemail to verify I called back and after 2 hours on hold basically told by multiple Goldman Sachs reps they theyd dont know what the problem is and that for some reason my phone number on the app all though it is my phone number is not correct and they dont know what the resolution is to open the account or why it can not be opened
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX XXXX and on XX/XX/XXXX TransUnion reported that i had a missed payment from XXXX XXXX XXXX  Which caused me to lose XXXX points. XXXX XXXXXXXX XXXX has sent the proof that i never received any late payment but its still on my credit report.
Consumer complaint received 2023-12-25
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

They fired over XXXX people from their company in XXXX, and now getting a hold of customer service is impossible. I have called multiple times and been put on 2+ hour wait times, still without ever an answer ( I have had to hang up each time because no response ). Once I waited 5 hours on the phone and my batter died, forcing me to hang up. 

They will not respond to emails and have been completely unresponsive. 

I have filed for an Income-Driven Replayment Plan 3 times already, each time submitting the required paperwork exactly as asked, and each time I get a letter in the mail 2 weeks later stating my application was denied for incomplete paperwork. This is FRAUDULENT behavior and completely unacceptable.
Consumer complaint received 2024-01-25
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. (MI)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated to the 3 credit Bureaus and corrected on my credit file. 
XXXX XXXX Balance : {$160.00}