davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-26
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (AZ)

I can only choose one option when at least 3 of the options apply here. IQ Date International is the company at XXXX. My son defaulted on the very last month of his lease. The XXXX XXXX XXXX XXXX XXXX added 2 more months of rent which took the balance all the way up to {$4800.00}. The collections company IQ Date International called me the week of XX/XX/year> and I offered to set up a payment plan of {$1000.00} a month. The lady ( XXXX or XXXX XXXX was very condescending and rude and said that I should have already taken care of it and that they do not set up payment plans and said I need to apply for several loans until I am approved in order to pay it off. I called back today, XX/XX/year> and spoke with XXXX who also was very condescending stating I knew I owed the debt and asked why I didn't pay it. I told her I don't have {$4400.00} to pay all at once or I would and that I can pay {$1000.00} a month starting tomorrow. She said again, they don't accept payments and that I need to apply for loans until I am approved in order to get this taken care of. The fact they are trying to force me into applying for several loans is unfair as hard inquiries on your credit bring your credit score down, additionally, the liklihood of me receiving a high interest loan is high. They also said they have it in a " refusal to pay status '' when not once did I ever state that I am not paying, in fact I did quite the opposite with trying to set up a payment arrangement of {$1000.00} a month. I should not be forced into taking a high interest loan when I am offering to pay {$1000.00} a month. Additionally, during the call XXXX started yelling at me at the top of her lungs in a very condescending manner while I was trying to explain something to her and wouldn't let me talk. She finally got me to the point where I was also yelling.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (MS)

A collection notice from Central Portfolio Control for the amount of {$1800.00} insurance paid the required state amount and by law this is called surprised billing this was also this bill was included in the BANKRUPTCY THEY ARE TRYING TO COLLECT ON A DEBT DISCHARGED IN BANKRUPTCY.
Consumer complaint received 2024-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

Transworld Systems Inc, acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address
Consumer complaint received 2024-02-07
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Unauthorized Inquiries on Credit Report Dear TransUnion Dispute Team, I hope this letter finds you well. I am writing to formally dispute several inquiries on my credit report that I believe were made without my authorization. The details of the unauthorized inquiries are as follows : XXXX XXXX Type : Finance/Personal Date : XX/XX/XXXX XXXX Type : Bank Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Type : Bank Date : XXXX XXXX XXXX XXXX XXXX XXXX Type : Bank Date : XX/XX/XXXX XXXX Type : Bank Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Type : Bank Date : XX/XX/XXXX I want to emphasize that I did not authorize or initiate these inquiries, and I am concerned about the potential impact on my credit score and financial well-being. 

I kindly request that TransUnion conducts a thorough investigation into these unauthorized inquiries and takes appropriate action to remove them from my credit report. I understand the importance of maintaining the accuracy of my credit history and appreciate your prompt attention to this matter. 

I appreciate your immediate attention to this matter and thank you in advance for your cooperation. Please provide me with updates on the progress of your investigation and inform me of any actions taken to resolve this dispute. 

If you require any additional information, please do not hesitate to contact me at the provided phone number or email address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

TEXAS LOCATION FOR NMAC LIES TO CUSTOMERS CONTINUOUSLY AND IT IS RIDUCULOUS. AN AGENT TOLD MY HUSBAND JUST YESTERDAY THAT THERE IS NO LOCATION FOR NMAC IN XXXX, TN WHEN THAT IS INDEED HEADQUARTERS AND THE LOCATION REGISTERED THROUGH THE SEC. TRUST PROPERTY WAS WRONGFULLY REPOSSESSED AND NMAC KEEPS DELAYING ANY KIND OF RESPONSE DESPITE BEING PROVIDED ALL OF THE PROOF THAT THE CONTRACT IS FRAUD. NMAC VIOLATED TILA, XXXX RULES/REGULATIONS, AND XXXX  REQUIREMENTS. THIS FRAUDULENT CONTRACT WAS NOT ORIGINATED XXXX XXXX, BUT WAS XXXX XXXX, XXXX. XXXX OPEN LOANS WERE ACTIVE AT THE SAME TIME BETWEEN NMAC AND XXXX XXXX XXXX XXXX XXXX XXXX WAS THE ALLEGED ORIGINAL CREDITOR XXXX XXXX XXXX AND WAS NOT RESCINDED BY XXXX XXXX UNTIL XX/XX/XXXX WHEN THE ALLEGED FRAUDULENT CONTRACT WITH NMAC WAS CREATED. NUMBERS AND SIGNATURES WERE FORGED, WHICH I HAVE PROOF OF AND THAT INFORMATION HAS ALREADY BEEN PROVIDED TO THE COLLECTIONS DEPARTMENT WHEN THE AGENT LIED AND SAID THE VEHICLE WAS NOT UP FOR REPOSESSION YET. THE VEHICLE WAS STOLEN FROM PRIVATE PROPERTY WITHOUT A WARRANT BY XXXX XXXX XXXX. NMAC HAS ABONDONDED THEIR FIDUCIARY DUTY COMPLETELY. EVERY GOVERNMENT ENTITY THIS HAS BEEN REPORTED TO HAS DONE NOTHING TO ASSIST MY HUSBAND AND I. WE RECEIVED A LETTER XXXX XXXX STATING THE VEHICLE WILL BE SOLD IN AN AUCTION WITH NO DATE. NMAC HAS DONE THIS XXXX TIMES ; DEMAND MONEY THE LAST DAY A PAYMENT CAN BE MADE, REPO LETTERS AFTER IT HAS ALREADY HAPPENED, AND THE MOST RECENT LETTER FOR AUCTION OF THE VEHICLE. FOR ALL WE KNOW, THEY HAVE ALREADY SOLD THE VEHICLE, AND IS LYING TO THE CFPB THAT THEY ARE DOING A FALSE INVESTIGATION TO BUY MORE TIME TO SELL THE VEHICLE THAT WAS NEVER THEIRS TO BEGIN WITH.
Consumer complaint received 2024-04-16
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. (AR)

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 U.S.C. 1681. 
XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 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 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Yakima County Credit Service, INC (WA)

I drafted and sent two dispute letters to YCCS ; I also sent them certified mail. Please review the dispute letters I attached in the XXXX They are dated XX/XX/XXXX and XX/XX/XXXX and provide detailed information. It is also a response to XXXX XXXX for case number : XXXX ; this is the Case # of my complaint with the Consumer Financial Credit Bureau XXXX 

YCCS has purposely neglected to send me required documents in a timely manner to increase interest rates on my debt. They have been unethical and lied about sending me a contract I requested from them on XX/XX/XXXX. 

They did not send me the contract till 14 months after I originally requested it. In that time interest accumulated on my debt. They purposely do not send certified mailed noticed to avoid being held accountable due to their dishonest collection tactics. Reviews of this company and how they collect and drive up debts amounts are horrendous. 

Please review my attachments.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COMMERCE BANK (CO)

The last 6 months of my Commerce Bank statement, I made the minimum payment of {$30.00}. Once they posted the payment was received, then 2 days later showed it was reversed and added a {$30.00} late fee. Called to dispute, but they would not take responsibility blaming some technical issue. Also they have been difficult in helping me to redeem my reward points. Tolerated this unfair mistake, but on my most recent XXXX statement, it happened again. Payment reversed & {$30.00} late fee. Never had an issue like this with the 50 odd credit cards I've used before.
Consumer complaint received 2024-04-16
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. (OK)

XX/XX/XXXX a company called XXXX sent me a letter collecting on a debt owed to XXXX XXXX  for the amount of {$8800.00}. 

To my understanding this acts as clear evidence that XXXX XXXX  sold this charged off account to a third party debt collection agency in XXXX. 

XX/XX/XXXX XXXX sent me a letter looking to settle on the debt owed for the amount of {$8800.00}. 

It is to my understanding this is an illegal practice of XXXX attempting to collect on a debt they have already sold off more than once. 

At this time as of XX/XX/XXXX, I am requesting that TransUnion, XXXX and XXXX permanently REMOVE this account with XXXX as it clear that XXXX XXXX  is illegally trying to collect on a debt that was already sold. 

I have attached the supporting documents reflecting the letters from both companies as well as the reporting of the account in question by each credit bureaus that reflects inaccurate reporting as well. 

Failure to remove this account will result in legal action being taken.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I submitted a dispute to equifax on XX/XX/23 to update my birthday as it is reporting incorrectly. I submitted a copy of my drivers license that shows my correct birthdate, by equifax claims that the incorrect birthdate is valid.
Consumer complaint received 2023-11-07
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2024-04-16
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, It appears that this item on my credit report has turned into a charge off and I have reviewed statements you all sent to me by mail and I have verified numerous fraudulent transactions totaling {$3800.00} from a stolen XXXX on this account without my permission. I have provided the FTC identify theft report as instructed by the police department. The reporting of this account balance is inaccurate and affecting my ability to use my credit. Additionally, I noticed you never sent me a XXXX would you be so kind to send me a XXXX or verify if the debt is still on you all record books. Due to the unauthorized charges on this account I have gone through a serious financial hardship. I am trying to resolve these matters directly with you all. This would help me with my credit in the future. 

Thank You So Much XXXX XXXX XXXX
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

I had a HELOC account attached to my property in XXXX, CA. No payments were made after XX/XX/XXXX. I moved back to New York in XX/XX/XXXX. My property was foreclosed on by the XXXX in early XXXX. 
DiTech has been sending me monthly invoices requesting payment of the HELOC. I notified them ( at the time they were Green Tree. DiTech responded to my letter ) in writing in XX/XX/XXXX, that I disputed the validity of this debt and did not acknowledge that I owed it. I also reminded them that the CA statute of limitations was 4 years and had passed. I received a letter that basically blew me off and they continued to send invoices. 
I filed complaints in NYS and CA, as well as with CFPB ( Case # XXXX ). Invoices are still coming.
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (CA)

I recently put a copy of my credit report, and I notice two inquiries, showing on my credit report I understand that inquiries must remain on your credit report for two years, however The inquiries listed on my XXXX XXXX credit report I did not authorize or give my consent to pull my credit. XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023
Consumer complaint received 2024-03-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

The collection agency is reporting a debt that I am not liable for. When I requested information in the form of the signed lease and the collection assignment agreement. The collection agency responded they did not have any of that information, but continue to report this debt as mine. I in return requested the debt be removed from my credit report since I have never resided in that apartment or the state the apartment is located in.
Consumer complaint received 2024-04-16
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. (FL)

I am writing to formally request that accounts refrain from sharing my personal information with XXXX-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-04-16
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (TX)

In accordance with Fair Credit Reporting Act .The list of accounts listed below violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX five different account same company
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (NC)

The info that was sent to me by the company I had it already. I ask them to help me from XX/XX/XXXX to XX/XX/XXXX. My solar panels stop working the end of XXXX of XXXX and I been talking to the loan manager about my investment that's under warranty. Brio had installed solar panels on my home in XX/XX/XXXX. They stop working in XX/XX/XXXX. I been struggling with high power bills this XXXX, XXXX and XXXX, XX/XX/XXXX. These months my bill is higher than my solar panels, cause my home has baseboard heaters. I stop making my payments in XXXX, XXXX in XXXX. I started back making my payments in XX/XX/XXXX and XXXX. I had to pay another company over {$400.00} dollars to come out and help me find out my problem. That was back in XX/XX/XXXX. I sent an email of all my transactions like emails and every thing to XXXX so that can put it in my file. I also dispute my investment so I can get my product that I am investing to them also. I been in touch with a lawyer that I can't afford. The North Carolina XXXX referral me. He's to expensive for all the bill and foster kid that I get in from time to time. I haven't heard back from the company yet. XXXX should pay me back for the months my solar panels haven't worked. This is a 25 year investment and my contract say so.. XXXX is wanting to put a lien on my home and take me to court which I go so they can see what I am going though. Who protect the consumer when a product don't do what it should do and you pay for something that don't work. It took me 8 months to find a installer that don't service my area in XXXX. It don't make sense to me.. Please help me..
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NY)

goldman sachs has continuously denied my application without providing sufficient reason why application is denied. My application was denied countless times - apple and goldman sachs do not help or provide any information. 
info given to me is : We are unable to verify your identification information they also says to Ensure your personal information ( legal name, SSN, birth date ) is accurate and matches your ID, if provided If you were asked to verify your ID with your Driver 's license or State-issued Photo ID, make sure : You are capturing the image clearly You position your Driver 's license or State-issued Photo ID in the frame, place it on a dark surface, and make sure lighting is adequate with no glare Your ID hasn't expired I have complied with all requirements. All information is correct. 
Please review and help opening my account
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation (FL)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : COVINGTON CREDIT/HFH Account number : XXXX
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (WI)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

A Charge off is consider a certificate of indebtedness which means it is income and must be removed. 

Privacy act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.