davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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 would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Notice for Proof of Claim Account : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX # XXXX To Whom it XXXX Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredits limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 
Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a 26.99 percent interest rate.
Consumer complaint received 2021-08-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within XXXX XXXX XXXX XXXX days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-01-04
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: TD BANK US HOLDING COMPANY (VA)

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to TARGET CARD SERVICES for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & they received it on XXXX. They are now 30+ days late. They are knowingly reporting false misleading information without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Consumer complaint received 2023-06-03
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. (NC)

I am a living human being writing a complaint against the company of TransUnion, XXXX and XXXX. My information has been compromised through their inadequate process causing violations on their behalf of the 15 USC 168. This company is furnishing fraudulent inquiries on my credit profile that were not authorized by me the consumer XXXX XXXX XXXX.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account XXXX Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through XXXX & Equifax but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a DEAD account. There should be no changes reported to it AT ALL!!!! I have tried to request a 1099 from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for me.
Consumer complaint received 2022-10-28
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: ENOVA INTERNATIONAL, INC. (MD)

Net credit is not providing update information to my credit report. Net credit shows a different balance on website than on credit report as well as payment history is not updated. I have previously dispute this item with the credit bureaus with no assistance, information is coming back verified each dispute. diverse which is showing in my credit report has no information on my credit file.
Consumer complaint received 2017-09-09
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. (FL)

this is regarding the Equifax hack that included my info, confirmed per their website. It is unacceptable that they were hacked and didnt notify the affected personal till month after the fact.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2018 I received notifications of unauthorized activity on my XXXX XXXX Credit Card account # XXXX while serving in the XXXX. I contacted a representative at the bank regarding the matter and was told my account had been locked. I then asked to open a dispute and was told i would have to call back at a later time and do so. Upon calling back multiple times the matter was never handled causing inaccurate debt to be placed on my credit.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (FL)

My client,   XXXX   XXXX   applied for an  SBA  guaranteed working capital loan to TD Bank,  XXXX  Florida Office, Loan Officer  XXXX   XXXX . The loan application was refused. I requested a letter providing the reasons for the denial. That request was made orally ore than 60 days ago.  XXXX   XXXX  informed me that t he SBA lo an committee would provide the requested letter. That has not happened.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Management Control, Inc. (PA)

Credit Management Control has been reporting an account on my credit forever. I have been disputing the account and after many attempts they finally sent me something. They mailed private, medical billing information, to my old address!!! They have violated my rights in accordance with HIPPA! PLEASE HELP ME!
Consumer complaint received 2021-05-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Data and Contact Management Solutions, LLC (WI)

Hi They are continuing to harass me even though it is disputed. Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past year, so must avoid stress. I am retired and on Social Security. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe. 

Thank you.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I believe to be inaccurate/unauthorized, and I request that it be promptly investigated and corrected.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (PA)

Company Has called me repeatedly daily and has left over 15 voicemails within a months timeframe but failed to notify me in writing about the alleged debt that's owed. I never signed a contract with this company. This company is in violation of the HIPPA law as well as well as 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2021-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

XXXX loan for {$5500.00} was told that by the end of my loan I would have paid {$17000.00} I had no idea that my APR was 900 % out of never agreed that I have payments of {$300.00} a month I have no income at this time and such company is threatening to send me to collections after being 2 days late I have no regulation of XXXX  XXXX XXXX with that much interest in such a short of time to pay back I have no regulation of XXXX XXXX XXXX with that much interest in such a short of time to pay back and App and affected by XXXX Net credit is a predatory loan which I having to make payments 3 times a month on the XXXX to XXXX in the XXXX of XXXX which is unreasonable and not able
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have 2 XXXX XXXXXXXX accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts.

Account 1 : XXXXXXXX shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( derogatory, updated XX/XX/XXXX XXXX Transunion shows ( unknown, updated XX/XX/XXXX XXXX. 

Account 2 : XXXX shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( Derogatory, Updated XX/XX/XXXX XXXX Transunion shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, XXXX XXXX is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.
Consumer complaint received 2021-05-20
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. (MD)

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and during that time XXXX fraudulent loans were opened in my name from XXXX XXXX XXXX XXXX. XXXX account was a personal loan Acct # XXXX opened XX/XX/XXXX and the other is an auto loan acct # XXXX opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX to dispute these fraudulent accounts. I have also disputed these fraudulent accounts with XXXX XXXX, and Experian but have yet to receive a reason why they have not been removed from my credit file. I have also sent them a police report and identity theft affidavit. This has gone on far too long. Please help to remove these fraudulent accounts from XXXX XXXX and Experian.
Consumer complaint received 2021-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted transuinioon or about the date of XX/XX/XXXX Regarding notification of a inquiry that I had no knowledge of from XXXX XXXX on XX/XX/2021. It was told that the inquiry was not there On XX/XX/2021 I received a XXXX via XXXX XXXX that had included it's pretty common that a hard inquiry was pulled from XXXX XXXX on that same day I called TransUnion and was again told that the inquiry did not exist I then received a hot inquiry from XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX regarding a inquiry that was indeed mine but was resolved by XXXX XXXX stating that it was not supposed to result in a hard inquiry I contact the XXXX  once again in its XXXX that the bank agrees to reverse the inquiry and it is still on my report as of XX/XX/2021 Trans Union does not want to assist In spite my credit report station that is not there
Consumer complaint received 2020-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ability Recovery Services, LLC (FL)

I checked my credit and saw an account from Ability Recovery for XXXX XXXX for {$1700.00}. I was unable to finish the career training program due to a severe illness that lead to a death in my immediate family.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

I have reached out 3 times to Comenity, and received no reply. I have put it in writing that I wish to cancel the contract, and this was done immediately after receiving it so I had time to do so. No customer service is bad enough. But I have received no reply, also not even an email with an account number. I applied for the card on XXXX, which is plastered with banners for 0 % interest for 36 months. I read the TOC before submitting my application, and the TOC clearly offers 0 % interest for 36 months. It was only after I got approved and made a purchase, that I realized there was a contingency. The purchase has to be for XXXX dollars, and I was only approved for XXXX. Had they been honest, I may well have spent XXXX because I am shopping for a refrigerator -- -but instead, the credit card was a " bait and switch ''. I have told Comenity that I wish to pay the balance and close the card with no further relationship. I want to pay no fees. I feel that this is a fraud, designed to draw people in to high interest rates and fees. It is not what was promised. I wish to cancel this contract with Comenity.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

XXXX XXXX ( lab work ) is trying to collect money i do not owe. {$380.00} is what a collection co. wants. Our co/pay is only {$10.00} dollars. XXXX XXXX  hmo our insurance filed a grievance in XX/XX/XXXX, they agreed with us and Provider Relations Department sent the report to XXXX to cease billing my wife. They did not agree with the grievance report. They have placed this with a credit collection. Yet XXXX is still sending us a bill. On XX/XX/XXXX XXXX  of XXXX NJ. closed this case because XXXX did not receive a response from business.
Consumer complaint received 2021-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately reinvestigated. These inaccuracies are highly injurious to my credit rating
Consumer complaint received 2021-05-21
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: Experian Information Solutions Inc. (TN)

In XXXX of XXXX I sent XXXX, XXXX, EX a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to XXXX, XXXX, EX through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/2020. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IA)

Hi, I was the victim of a sms message phishing attack on XX/XX/2021. I received a fake text message saying someone was attempting to withdraw bitcoin from my Coinbase account. The message said " if this is not you then click this link ''. Well I regretfully clicked the link and that's how the hackers were able to gain access into my account. They then proceeded to withdraw 1.49 bitcoin ( around {$75000.00} ) from my account. However, I had 2FA enabled in my account for any withdrawals, so I'm not sure how they were able to make a withdrawal. 

I have the phone number the message came from, the IP Address, and the bitcoin address my money got sent to. But that is it. I have attached the email confirmation I received when this unauthorized withdrawal went through. I also attached a screenshot of my recent account activity showing different IP addresses that had logged in. XXXX is the one the hackers were using. I also included a screenshot of the fake message I received. 

Is there anything you can do to help me? 


Thanks so much for your time. 

XXXX XXXX