davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NJ)

td bank XXXX maintenance fee was told anytime my account falls below XXXX from XXXX of the month to the XXXX of the month i will be charged XXXX fee no grace period and even if i put money back in the account the next day i still get charged the fee.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is tho result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal crodit card account opened at Discover on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 XXXX 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-15
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. (CA)

fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Consumer complaint received 2023-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

Called deparyment of education they refuse to discuss or discharge loans to XXXX to refund remainder they said would from vlass action suit agaonst college that was settled XX/XX/XXXX i paid off loans XXXX XXXX XXXX college witheld information that impacted hundreds of students school contacted me in XX/XX/XXXX to inform of refund XXXX sent me partial refund and a letter that they were processing remainder of loans but still have no srnt Dept of Education wnt discuss just keep saying they are processing
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute this item on my credit report that I believe to be inaccurate. 
I request that you investigate this disputed item and remove or correct any inaccurate information within XXXX  days. 
Please send me written confirmation of the actions taken on my dispute, as well as an updated copy of my credit report once the corrections have been made. Please investigate this information and correct any errors as soon as possible : XXXX XXXX XXXX.
Consumer complaint received 2024-05-15
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. (FL)

FCRA 605B, I think, requires the removal of any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts inaccurately reflect the reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-05-15
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. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

I am writing to dispute the validity of the debt referenced in the collection account reported on my credit report. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is violating my rights. 
The company is trying to collect the debt that is not owed. Also publish XXXX inaccurate information on my credit report. There are XXXX different totals owed. The account was open by identity theft when I was visiting a friend who lived at that apartment complex. I sent the company a copy of the police report and a copy of electricity bill from my address in XXXX XXXX The company does not have an original signed copy of a lease. The apartment lease started on XX/XX/XXXX. the contract states that it was signed on XX/XX/XXXX. 

15 U S.C. 1681 Section XXXX A. States I have the right to privacy. 15 U S.C. 1681 Section XXXX A Section XXXX : States a consumer reporting agency can not furnish a account without my instructions. 15 U S.C. 1681c ( a ) ( XXXX ) 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 crime which antedate the report by more than XXXX years. 15 U S.C. 1681s -2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has responsible costs to believe that the information is inaccurate.
Consumer complaint received 2024-08-28
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC (NV)

I have received many letters every month from Jefferson Capital System # XXXX and I call them asked to tell what did I buy from them but they never did. I have more then XXXX credit Cards why should I buy something {$750.00} with unknown company and I can used some of my credit for then {$10000.00} or XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/XXXX, I reviewed my XXXX credit report, XXXX, and XXXX I discovered multiple inaccuracies, including unrecognized collection accounts and incorrect personal information, such as misspelled names, phone numbers, and wrong addresses.. Suspecting identity theft, which I previously reported to the authorities in approxiemately around the year XXXX, when I had to file my taxes. There mortages that were take out on my name, deparment of education loans When I print out my credit report from the credit bureau the credit report aren't displaying accurate information. Collections are assigned to someone else name that isn't me. I have not received any documentation proving the legitimacy of these alleged debts, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). The failure to provide debt validation suggests that these debts are not valid, as supported by the doctrine of estoppel by silence in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. These inaccuracies have caused significant stress and have impacted my ability to secure credit. Despite disputing these items with XXXX, the issues remain unresolved. I am seeking the CFPBs assistance in having these fraudulent collection accounts removed from my credit report and in correcting the personal information errors to prevent further damage. I also request that XXXX and the collection agencies comply with all legal obligations to ensure that my rights are protected
Consumer complaint received 2024-05-15
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. (NY)

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

XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights.

15 U.S.C 1681 section 604 A section 2 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 2024-09-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act Convergent Account # starting in Ref : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act Convergent Account # starting in Ref : Ref : XXXX has XXXX my rights. 

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
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

My taxes were due from my escrow account in XX/XX/XXXX to XXXX XXXX Georgia. The servicer XXXX did not pay the taxes, so i called in XX/XX/XXXX when i received information that the taxes were not paid from my escrow account. They said that they would pay them. In XX/XX/XXXX i received information that the taxes had not been paid from my fully funded escrow account. On XX/XX/XXXX XXXX said they would investigate the issue and it could take ten days. On the XXXX they said payment had been made. My tax commissioner said no payment had been made on XX/XX/XXXX. On XX/XX/XXXX, i called my new servicer New Rez and they said they had no information to help me.
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On or about Saturday, XXXX XXXX XXXX I went to the XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, to purchase a new vehicle. I was interested in getting the XXXX XXXX, XXXX XXXX XXXXXXXX, but I was informed by XXXX that the passenger door window was damaged and needed to be replaced. I placed a {$500.00} deposit to hold the vehicle until the repair was completed, at which point I would purchase the vehicle. On Tuesday, XX/XX/scrub>XXXX XXXX XXXX I traded in my XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and received {$7000.00} towards my purchase of the said XXXX. I used the trade-in value, along with my {$500.00} deposit, as a down payment towards the said XXXX on XX/XX/scrub>XXXX XXXX XXXX 

On or about Sunday, XX/XX/scrub>XXXX XXXX XXXX I was coming back from work around XXXX XXXX I parked the said XXXX on XXXX XXXX that day. It was raining. The next day, Monday, XX/XX/scrub>XXXX XXXX XXXX  I walked to the said XXXX vehicle around XXXX XXXX XXXX XXXX to the gym when I noticed that the speakers were not working. The area around the passenger was flooded where the passenger door window was fixed by the XXXX dealership, with water running to the back seat behind the passenger. The engine was not wet. Only the passenger side was flooded with water, and the trunk was slightly damp. That day, the vehicle was towed to the XXXX XXXX XXXX to determine the source of the water intrusion. I was then told to wait 2 days for the report as XXXX XXXX XXXX informed me that they were gon na provide a report of the water intrusion. However, I never received the report. On Wednesday, XX/XX/scrub>XXXX XXXX XXXX I went to where I purchased the vehicle at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, to break the contract. XXXX XXXX, XXXX XXXX, stated that the contract can not be broken. However, after showing the XXXX XXXX, XXXX XXXX, the videos and photos, he went to the his office to later inform me that the car was a total loss. He advised to file a claim with my insurance. I filed the claim on Wednesday, XXXX XXXX XXXXXX/XX/year>. After speaking with my claims resolution XXXX, I was informed that XXXX reported the vehicle had been submerged in water. This is not the case. I asked my insurance company, XXXX, for evidence of the water intrusion that XXXX provided, but XXXX only provided more photos of the vehicle with all the windows fogged up. However, there was no report. I was unable to get a second opinion to test the vehicle myself, as I trusted my insurance company to find the source. 

I have more photos and email exchanges but I can not upload due to the files being too large.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've recently tried to open a checking 's account for Capital One bank, but the application was declined and wont approved because my XXXX XXXX  deposit score is XXXX and stated that the number of different banks inquiring during the last 2 years. this was the XXXX time I've tried to do it on this bank but i got the same warning
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (VA)

This XXXX XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union is alleging I owe a debt I do not. Banks are not allowed to lend money from their assets or their depositors assets so how is it that they extended this credit transaction. They did not my signature created the money for this transaction and Navy Federal Credit Union continues to allege I owe a debt. This is my final complaint to this credit union to provide evidence that I lawfully owe this debt or consider this your notice of a potential lawsuit for damages you have caused.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Months ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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 2023-11-09
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 XXXX Account # XXXX, has violated my rights. 
XXXX 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
Consumer complaint received 2024-05-15
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX. 
XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX. 
XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX. 
I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-06-03
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NC)

I recently got a {$500.00} prepaid vanila visa gift card. And when I checked my balance all XXXX was spent on XXXX on XXXX XXXX XXXX XXXX I didn't spend a single XXXX  since I just got it yesterday. Please help me