davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Assistance Inc (NV)

I was reviewing my credit reports and i found two debts being reported by Financial Assistance. Pursuant to 15 USC 1692g i demanded debt validation from them. On XX/XX/2021 I sent Financial assistance a debt validation letter requesting information that i was legally obligated to pay and if they were unable to send me the information I requested, then the false information that they are reporting on my consumer report under my name must be removed immediately. On the XXXX XXXX I received a letter back from Financial Assistance [ please see attached ]. There company name was no where on any original documents. And the letter was typed up by them and they had included another organizations name in it, trying to claim that as legal debt validation. This does not count as legal debt validation, and I know nowhere in the law this would be used to validate a debt, which I stated. Also on the letter, it never acknowledged any of the points requested for proper debt validation. To begin with, I requested to see any agreement or contract that had my signature, showing that I had entered into some type of dealing with Financial Assistance and that I was legal obligated to pay them any amount of any debt. I have had Financial Assistance reporting false and negative information on my consumer report for a long time and it has caused alot of emotional stress and injuries. I responded with a second letter on XXXX XXXX requesting a proper debt validation and that the photocopy they sent was unacceptable. I included an invoice for the laws that they had broken in reporting negative and false information and defemination of character. Which they still have ignored and not responded too.
Consumer complaint received 2019-07-26
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. (NC)

I am not the person responsible for the charges made on the accounts. XXXX, Experian, XXXX  put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ),
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted this company on today 's date in reference to this unfamiliar debt. I told then I was a Victim of Identity Theft and I filed an Identity Theft Report with The Federal Trade Commission as well. They refused to validate the debt and tell ne what the Debt was for. 

I've also attached a Copy of The Identity Theft Report.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a " payment on a credit card account under an open end consumer credit plan as late for purpose.

372k
Consumer complaint received 2021-11-15
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/2021 I have been a loyal customer with Huntington Bank for almost 15 years. My family and extended family also bank there. I have personal checking, savings, business checking, loc, auto loans, etc with them. One day I received a letter stating they were closing all of my accounts in less than 30 days. The only reason was " exceeds risk tolerance ''. I tried to call to talk to multiple people at the bank to get an explanation of what this means and why. No one could even give me a reason. I dont even know what these " risks '' are. I had no unusual activity from what the banker said. He couldn't even get info. The 800 number on the letter that I called had someone on the other end that was so rude that he just said we have the right to bank with whoever we want and that is the only explanation. 

So much for being a loyal customer for 15 years.
Consumer complaint received 2022-05-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wellsfargo refuses to offer me the COVID-19 Recovery Standalone Partial Claim : for homeowners who can resume making their current mortgage payments. 

Wellsfargo will only offer me the : COVID-19 Recovery Modification : for homeowners who can not resume making their current monthly mortgage It seems as though Wellsfargo is trying to take advantage of the COVID-19 Federal programs by not extending the Standalone Partial Claim without the borrower going through the modification process. By following this practice Wellsfargo is extending the loan maturity date of borrowers and forcing mortgagors to pay for additional fees and interest way beyond the original terms of the loan. 

I just want to resume my monthly payments without a modification.
Consumer complaint received 2021-11-15
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

In XX/XX/XXXX, I went to XXXX XXXX XXXX dealership in XXXX to finance a car. At the time, the dealership stated that I was approved, took my down payment and allowed me to drive off of the lot. Once I reached out to the finance company the next month to make a payment, they informed me that I had not been approved. I reached back out to the dealership and they said they were not aware and would be sure to fix the mishap. In the month of XXXX, I checked my credit report and I had over 10 new hard inquiries on my credit from the dealership in which I had no knowledge of, nor did I approve of. I had specific instructions for the dealership to not run my credit anymore and let me know if they wanted me to return the car. They told me they would not have to run my credit without informing me first and once I confronted the dealership they did not provide very many solutions. When I returned the car I asked for a letter to be sent off to remove the inquiries. The dealership agreed to send the letter and gave me a copy. The letter was supposed to be sent off in XXXX and I was promised to have them removed within 3 weeks. It has now been 5 months and all inquiries are still remaining on my credit. The manager of the dealership is no longer answering my calls and refusing to reach back out.
Consumer complaint received 2021-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been sending letters for months now and have not receive any response from the bureaus. Not one letter in the mail.This is so unfair the way I'm being treated. They operate any way they want to.
Consumer complaint received 2021-11-15
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. (DC)

XXXX XXXX XXXXXXXX {$330.00} XXXX and XXXX XXXX {$830.00} XXXX XXXX XXXX {$520.00} XXXX {$7400.00} XXXX has removed all these items and updated XXXX today! 
I dont understand whats the problem with the other bureaus
Consumer complaint received 2019-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc. (IL)

Dyck O'neal currently has numerous complaints with the XXXX  for reporting inaccurate information to consumer reports. In XX/XX/XXXX Dyck O'neal added a {$18000.00} collection debt to my XXXX  and XXXX credit report for a debt that was paid off in XX/XX/XXXX, per my credit report ( see attached ). 

In an attempt to circumvent the system Dyck Oneal reported negative outdated information from XXXX as NEW information in XXXX, which is a direct violation of the Consumer Fair Reporting Act. Negative information that is more than 10 years old can not be reported on credit reports. 

This inaccurate information has been disputed with the Dyck O'neal and both credit reporting agencies but has not been removed from my credit report.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

On XX/XX/XXXX I informed Resurgent Capital Services/LVNV Funding LLC via the CFPB I've become a victim of identity theft. On XX/XX/XXXX I sent a written dispute requesting debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. As of XX/XX/XXXX I have NOT been provided competent evidence of my legal obligation to pay Resurgent Capital Services/LVNV Funding LLC . 

I requested the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
What the money you say the alleged debtor owes is for. 
Explain and show how you calculated the alleged debt. 
Provide me any documents that show proof I agreed to pay the alleged amount owed. 

Please provide the name and address of the bonding agent for Resurgent Capital Services/LVNV Funding LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. 

Please Note : A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ).

Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, Resurgent Capital Services/LVNV Funding LLC is in violation by not responding to my notice of Identity theft within 30 days.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I realized that {$8500.00} had been withdrawn electronically from my Bank of America business account on XXXX XXXX I immediately called and filed a complaint with them and my case number is # XXXX. I was initially informed that it would take 15 days for an infestation and a refund on the money. Upon my follow up call on the XX/XX/XXXX it was told to close out the existing account and open a new account. I was given the earliest appointment available today the XXXX and now I am being told it could take up to 60 days. 

This is a very large amount of money and for a small business could cause major disruption in my finances. I am reaching out for help as this seems excessive and depending on the person I spoke to I got different responses..
Consumer complaint received 2023-10-05
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ADIR INTERNATIONAL LLC (CA)

Good afternoon, On XX/XX/2021 I paid off my account with CURACAO. I submitted a payment in the amount of {$790.00} as full and final payment ( I called prior to submit payment and I was given such amount by automated system ). 

On XX/XX/2021 I received an email from my transUnion report showing CURACAO account as paid off. 

On XX/XX/XXXX, a late payment red flag was added to my credit report by CURACAO. Now, account shows an outstanding balance of {$27.00}. My credit score went down XXXX points on XX/XX/XXXX. 

I reported the issue to CURACAO. Spoke with XXXX, XXXX, and two other representatives in several occasions and they indicated that it was an issue generated by the system and that they will take care of the issue. As of today, nothing has been done. I called this morning and they said " don't worry XXXX, your account shows XXXX balance now '' I said, " that's not the main issue... the main issue is the red flag on my credit report ... the missed/late payment report caused a huge negative impact to my credit score, which I don't think is fair when I paid off my account before my contract is up '' I asked to speak to a supervisor/manager and they just continued transferring my call to different departments. 

I'm extremely frustrated and upset. They should be treating consumers with respect, and stop taking advantage of loyal, reliable, and responsible consumers. 

Very inefficient staff.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (CA)

This is a XXXX Phone account I had YEARS ago. Yet they are reporting as if I just defaulted the account XX/XX/XXXX which is against the law. The account was set to drop off 7 years from when they started reporting it to my credit history which was XXXX. I dont know what its still doing showing up on my credit history but it needs to be removed instantly.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

ONE MAIN Financial I GOT A LONE FROM THEM XX/XX/2021 I HAVE BEEN PAYING FOR {$3600.00} //THE ONLY WAY YOU CAN GET THIS LOAN IS YOU MUST GET INSURANCE THE COST OF THAT IS {$680.00} YOU PAY THAT FRIST YOU GO OUT THE DOOR WITH JUST {$3000.00} ONLY IF YOU HAVE A MEDICAL ACCIDENT THE LOAN IS COVERED IN FULL OK I HAVE HAD XXXX XXXX XXXX, XXXX XXXX, IN XXXX XXXX FOR OVER A YEAR EVERY TIME I WOULD HAVE HEALTH PROBIEMS THAY would charge me more now i have paid so much in interest after 3 years i still own the same amount WHY!!!!!!!!!! 
XXXX THE INTEREST ON THIS LOAN IS {$2800.00} AT THE END OF MY LIFE I WILL HAVE PAID {$6500.00} THAT CRAZY!!!!!!!!!!!! PLEASE NO ONE SHOULD HAVE TO GO THOUGH THIS
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. This ground for removal under : 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 an account without my written instructions.
Consumer complaint received 2021-11-15
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. (IN)

I submitted a dispute with the credit bureuas for them to look into a few accounts that are reporting that i'm not aware of. I have not received anything to update me on the status of these accounts or if they're looking into it or not. 

Letters sent to the bureaus on the following dates : XX/XX/2021 XX/XX/2021
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OK)

I have a recurring payment from my Chase checking account to a XXXX XXXX credit card bill. My recurring payment is scheduled to be delivered by the XXXX of every month. It takes 5 days for delivery. Chase sent the check on XX/XX/XXXX so it was late to XXXX XXXX. I was charged a {$26.00} late fee by XXXX XXXX. Chase is saying that I scheduled the send by date of XX/XX/XXXX. First off I always send to a deliver by date. Also this is a recurring payment so you can easily see that Chase made a mistake. They sent it on XX/XX/XXXX to be delivered by XX/XX/XXXX. And this makes no sense because there is a 5 day delivery time.
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

After purchasing XXXX  XXXX XXXX  from the XXXX Toyota in XXXX XXXX XXXX, I have found out that my car was damaged due to a natural disaster. I have reached out to Toyota multiple times to discuss about the Lemon Law but they kept denying my claims. I feel unsafe driving my car. Please feel free to include me if you have any motions against Toyota.
Consumer complaint received 2022-05-20
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. (TX)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Account charged off. {$960.00} written off. {$960.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX account FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-15
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. (FL)

I m a victim of fraud there are multi fraudulent that as been open under my name I believe someone out there still have my information in keep using it XXXX {$530.00} XXXX/XXXX/XXXX creditor no action XXXX XXXX XXXX XXXX {$3100.00} creditor no action XXXX {$1100.00} XX/XX/XXXX creditor no action XXXX XXXX {$500.00} XXXXcreditor no action XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00}
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (AL)

RECEIVED A BILL FRO THIS COMPANY BY THE NAME OF XXXX XXXX XXXX FOR A XXXX XXXX BILL AND i DON'T HAVE A CLUE WHAT THEY ARE TALKING ABOUT. i DON'T HAVE TIE TO DEAL WITH RUDE PEOPLE WHO TRY TO INTIMIDATE YOU INSTEAD OF LISTENING TO FACTS.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (SC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXXXXXX Balance : {$2400.00XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$66.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Consumer complaint received 2022-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT XXXX ARE REPORTING.