davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
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. (CT)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Creditors Bureau Associates (AL)

VALIDATION, NOT Verification RE : CREDITORS BUREAU ASSOC

IA To Whom It May Concern : This letter is being sent to you in response to the above mentioned charge-off account and more importantly, due to your erroneous reporting of this account, the highly negative impact on my personal credit report. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that you provide me with competent evidence that I have any legal attachment to this account.

Please provide me with the following : Provide copies of any papers that show I agreed to be responsible for this account Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account At this time, I will also inform you that if you have reported invalidated information to my credit profile this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit report that is inaccurate, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If you can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all reporting activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to my credit report, I will consult with my legal counsel for suit. This includes listing any information that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

his validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion shall be sent to me immediately.

Best Regards,
Consumer complaint received 2023-12-17
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)

TransUnion Original complaint XX/XX/2023 Case # XXXX TransUnion responded XX/XX/2023 but was not thorough. However, the following is still incorrect according to MyFICO report dated XX/XX/2023. 
- XXXX  XXXX XXXX XXXX XXXX was paid and should show accordingly. Also, this account is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX modified. TRUE AND ACCURATE. THANK YOU. 
- XXXX XXXX  is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- Adding XXXX XXXX to this complaint. Account XXXX. This account is reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (UT)

I opened an account with XXXX XXXX XXXX several years ago. On or around XX/XX/2023, I suffered financial hardship due to health issues and could not keep up with and pay my monthly payments. I called up XXXX around this time and was placed into what I thought was a deferment program. XXXX stated that I would not have to make any payments until XX/XX/2023 and that my past-due balance would not be due until XXXX. By enrolling into this program, XXXX validated several times that I was protected from being sent to collections. 

On or around XX/XX/2023, I contacted XXXX about the past due balance that I owed them, and we came to an agreement/settlement that the {$300.00} past due balance would be settled for {$260.00} ( please see documents of this being paid in attachments ). From there, I thought that my account was taken out of deferment and was reactivated. 
On or around XX/XX/2023, I received a letter in the mail from Sequium Asset Solutions , LLC. They stated that I owed them for this XXXX Account for the debt that I had settled with XXXX on XX/XX/2023. I immediately called XXXX and spoke to several customer reps and supervisors ; none of them had any record of this debt being sold to Sequium Asset Solutions. After several hours on the phone with XXXX, they stated that my account ending in XXXX was current and no prior debts were due from the deferment. 
I then called Sequium Asset Solutions ; upon speaking with them, they refused to acknowledge that my debt was already settled with XXXX, and insisted that I owed them the {$300.00} with an additional {$260.00} in fees. Upon speaking with them, they stated that failure to pay these debts that had already been paid and that they would take legal action if necessary. They refused even to consider that I had already settled these debts with XXXX. I then said I would take this matter to the CFPB, in which they hung up on me.
Consumer complaint received 2024-05-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Cottonwood Financial Ltd. (TX)

XXXX XXXX last XXXX my account is paid in full at the cash store as I only owed {$970.00} my principal amount was {$900.00} XXXX paid the Cash store in XX/XX/2017 {$300.00} in XX/XX/2017 I paid {$240.00} in XX/XX/2017 I paid {$180.00} in XX/XX/2017 I paid {$240.00} that should add up to {$960.00} XXXX wed XXXX dollars in total I never made the XXXX dollar payment but I can definitely give it to you now if you would like to take the XXXX dollars???? you are the seventh collection agency to call me even after it was paid way back in XXXX. I have turned the Cash Store into the financial bureau for unlawful collections because they keep selling my account like I never paid it and it was paid in full, except for XXXX  dollars. The company gave me this info orally over the phone -- but refused to give me a print out. They sell ( or turn over the accounts to several creditors ). I get numerous calls from different collection agencies, and I go through the painful process of explaining that the loan was paid in full over and over again. This is harassment, and unnecessary. I am still getting calls, this loan was paid off in XXXX.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (WA)

I scheduled an appointment for my cat to be spayed. My friend at the time was taking care of the cat, while I worked and relocated up north. When I made the appointment with XXXX ( located in XXXX XXXXXXXX XXXX ), I put my friends name on the account so he could take her in without me being there ( otherwise they would not have taken her ). I gave my friend cash and he took her to get spayed along with his cat to be neutered and one year later, there is a bill mailed to my previous address saying I owe over {$1000.00} ( and that it had been sent to collections ). I called the vet place ( XXXX in XXXX XXXX ) to see what was going on. I was informed that a XXXX XXXX XXXX XXXX XXXX was opened by my friend who is on the account and is the one who brought my cat to the vet. This was done without my consent, or knowledge, and I did not sign up for this CLUB MEMBERSHIP, but because I opened the account I am the one being charged. I would like to reiterate that I did not sign up for this MEMBERSHIP, nor did I sign any paperwork for this membership, my friend did, and this fee should be in his name, not mine.
Consumer complaint received 2023-08-20
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: CarMax, Inc. (WI)

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

Regarding a XXXX credit card and it is through CitiBank. I use my XXXX cc monthly especially for gas. Recently I used a interested free check to pay for a plumbing bill I had recently. When I make a payment which is the exact amount of my monthly current charges plus additional to go towards my outstanding balance they in turn decide how they want to credit my bill. I have called 3 times to complain with no success. They tell me this is how they do it. This month when I received my statement this is totally wrong. Last month my current cc charge was {$230.00} and outstanding balance {$2300.00} and I paid them {$600.00}. They credited my regular cc charges {$400.00} which will give me a credit towards this months charges of {$200.00} so I only owe {$38.00}, BUT then they only credited {$190.00} to my outstanding balance. What is actually happening they are giving my monthly credit card charges more of my payment for future charges and not crediting to my outstanding transfer balance which I want paid off before the due date. They have already charged me {$120.00} for the use of this interest free funds, but it is not right that they can decide how my monthly payment is credited to my balances. I would like to know if this is legal. If I was not a detailed consumer and didn't realize this was happening it will be harder to pay off my outstanding transfer balance before interest would kick in. This is not fair or right. Please let me know your thoughts.
Consumer complaint received 2024-05-16
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: SANTANDER HOLDINGS USA, INC. (NC)

Subject : Urgent Notice : Unauthorized Credit Reporting Violation Pursuant to North Carolina FCRA Identity Theft Fraud Laws Dear SANTANDER CONSUMER USA, I am writing to address a serious violation concerning the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina laws pertaining to identity theft fraud. 

It has come to my attention that SANTANDER CONSUMER USA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Under federal law, as stated in the FCRA, consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Moreover, North Carolina laws, particularly those regarding identity theft fraud, reinforce the importance of consumer consent and the protection of personal information. Unauthorized access and misuse of personal data, as outlined in North Carolina identity theft fraud laws, are considered serious offenses. 

I want to make it unequivocally clear that I have not provided consent for SANTANDER CONSUMER USA to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness, and demonstrates a disregard for federal and state laws. 

I demand that SANTANDER CONSUMER USA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant North Carolina laws pertaining to identity theft fraud. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and North Carolina laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and detrimental credit reporting practices. 

I expect immediate attention to this matter and prompt rectification of these violations by SANTANDER CONSUMER USA, in full respect of my rights under federal and state laws.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (OH)

My personal information was exposed in the XXXX XXXX hack in XXXX which I became aware of when they sent me a letter informing me. This debt is not mine. In XXXX I received the first of XXXX debt collection attempts referencing a loan in XXXX, there were subsequent attempts in XXXX, XXXX, and XXXX by different debt collection agencies for the same loan. The first XXXX debt collection agencies dropped their claim after I requested a debt validation letter. The XXXX agency is still pursuing the collection after having sent me a debt validation letter and have notified the credit reporting agencies which has negatively affecting my credit rating. The debt validation letter shows only my name, my former address and the last XXXX numbers of my social security number. All easily obtained by criminals.The transaction with XXXX had been done electronically and the debt collector did not provide any information as to where the money was sent ; no routing number, account number, tracking number, date cashed, bank name, address, etc. I was defrauded like so many others and have been put in the position of proving a negative.
Consumer complaint received 2024-05-16
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: Bread Financial Holdings, Inc. (NC)

This creditor COMENITYBANK/VICTORIA 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 XXXX 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 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunbit, Inc. (CA)

pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) 15 USC 1681 a2ai and 15 USC 1692 G of the Fair Credit Reporting Act of 1997.

I noticed a account on my credit that I have no knowledge of this company needs to verify this debt and if it is a charge off send a 1099-C and remove it permanently from my credit report
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUSTMARK CORPORATION (MS)

I contacted someone from the bank about funds missing from my accounts according to one of the bank 's 'financial tools '. I talked to more than one person on the phone and told them how they could help me solve the problem by checking the 'financial tools ' themselves to see the problem. They claimed they couldn't use 'financial tools ' on their end. They claimed they couldn't help unless I checked every transaction on my own. I told them I couldn't check every transaction on my own because the date range for the transactions was from XX/XX/XXXX to XX/XX/XXXX. They offered no alternatives for help. I want to know what happened to the missing money and how to get it back.
Consumer complaint received 2023-09-01
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

My information on my credit report was reported as compromised on XX/XX/XXXX. 
The information below was reported as compromised. 
XXXX - XX/XX/XXXX Banking Acct : - XXXX Email - XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All information is incorrected. 
I will be disputing this with XXXX, Equifax, & XXXX. 

This has caused my credit score to decrease.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (DE)

I have requested multiple times to change my payment plan type from an income-based repayment plan to an extended graduated repayment plan. It is my understanding that since these are federal loans, we as borrowers as supposed to be able to change our repayment plan types without much difficulty.

I have called on 3 separate occasions because when I speak to a representative they take an application, tell me it will take a few weeks to process and then weeks later I receive email confirmation that my application for the wrong payment plan ( income based repayment ) has been approved. I keep getting " approved '' for the exact same payment plan Ive been trying to switch from since XXXX and when I call it's the exact same process over and over again.
Consumer complaint received 2023-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

My payments to this company is due on the XXXX. I get paid twice a month a pay with my last check, its just how my bills are set up. This particular company calls, harass monthly. Ive been talked to ugly. I said I dont like the fact I used the company for this reason and the employee answered well we dont like you either.
Consumer complaint received 2023-09-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CO)

On XX/XX/XXXX I disputed {$300.00} that was charged to my card on XX/XX/XXXX by a hotel 2 days AFTER I had checked out. I contacted the hotel and no response. When filing the dispute with Netspend I included a receipt showing proof I had rented a hotel room on XX/XX/XXXX at a different hotel, 2 days prior to when the charge was made without my consent. I also included a letter given to me by the hotel that fraudulently charged my card XXXX on XX/XX/XXXX, asking that I vacate the hotel by XX/XX/XXXX. I provided documentation clearly showing I had vacated that hotel 2 days prior to when the charge was made without my permission. I was treated very rudely when inquiring about the provisional credit due to my complaints regarding customer service/lack there of. I received the credit within 10 days. XX/XX/XXXX after finding in favor of the hotel the XXXX credit was reversed and taken back from my account. After viewing the documentation provided by the Hotel to Netspend it became clear that Netspend was grossly negligent in their investigation considering the documentation not only said I paid in cash, but that I was to checkout in XXXX. Then included a receipt I signed in XXXX, dated XXXX. Absolutely nothing was provided to justify the XXXX charge. Where I on the other hand provided clear documentation proving I had vacated that hotel and paid for another hotel 2 days prior to when the charge was made. Netspend also waited from XX/XX/XXXX when I disputed to the end of XXXX to close the investigation despite the fact they received the documentation from the hotel the following week of my dispute, with no further information or investigation. Why Netspend chose to allow this hotel to steal my money and disregard the documentation I provided, to find in favor of the hotel due to documentation they provided, that clearly held no information to show justification for the charge. Netspend has refused to give any further attention to the theft and any fair resolution on my behalf as a customer since XXXX.