davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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. (IL)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-01-05
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: CBC Companies, Inc. (FL)

THESE CREDIT BUREAUS HAVE NOT REPORT MY INFORMATION ACCURATELY, THEY HAVE FAILED TO REPORT MY CREDIT FAIRLY BY LAW THROUGH THE FAIR CREDIT REPORTING ACT THAT IS THERE TO PROTECT PEOPLE AS ME WHO IS IN SUCH A SITUATION LIKE THIS, NEVER HAVE I GOT NOTIFIED ORALLY OR WRITTEN. THIS IS UNFAIR PRACTICES AND NOT JUSTICE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Open. 
Account Type Auto Loan Balance {$7900.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Open. 
Account Type Auto Loan Balance {$9600.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX  XXXX XXXX Potentially Negative Status Open. 
Account Type Credit card Balance {$50.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX - NOT MINE. 
XXXX XXXX {$470.00} Date Opened XX/XX/XXXX
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (CA)

I am a victim of identity theft & I have a police report & identity theft report on file with all credit bureaus. This account does not belong to me. I would life this negative account removed & deleted from my credit file. Please refer to : Identity theft report # XXXX Police Report # : XXXX Police Report # : XXXX
Consumer complaint received 2021-01-05
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. (CA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-05
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. (CA)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-09-20
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) 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 ( 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 Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (PA)

I received a notice of my personal PIN for an debit card account at Branch Banking & Trust Co., XXXX, NC XXXX. 

I have NEVER been to XXXX, NC nor do I have any business with that corporation. 

I have tried to contact them by phone, but nobody answers their phone. 

I just want them to destroy any and all records in my name.
Consumer complaint received 2021-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX. I spoke with the lady at the bankruptcy court because my credit also has a banktupcy on there thats not mine. She clearly stated that there is no bankruptcy in their court system so please tell me how this happen. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2017-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

on XX/XX/XXXX {$220.00} was automaticly taken from my Five Star Bank account by XXXX. The due date for the credit card bill was XX/XX/XXXX as stated on my bill. On XX/XX/XXXX and XX/XX/XXXX three over draft charges for {$40.00} were applied to my five star bank account, {$120.00} total. I spoke to a representative at Barclay who credited my five star account on XX/XX/XXXX the amount of {$120.00}. on the same day the {$120.00} fee was then added to my Barclay credit card. I spoke again to a representative at Barclay and got the run around. The card is now closed and I paid off my debt on XX/XX/XXXX. The {$120.00} fee is still on my account! I have received two letters from Barclay one stating my inquiry has been resolved. date on the letter is XX/XX/XXXX. on XX/XX/XXXX I received another letter stating there is a {$120.00} balance still on my closed account. Please help with this mess. Thank youI
Consumer complaint received 2021-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (IL)

JUNK DEBT BUYER - YOU ARE IN VIOLATION OF THE FDCPA- YOU ARE IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Ability Recovery Services at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$180.00} the collection has been reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, Ability Recovery Services, owe me in my Bill of Particulars.
Consumer complaint received 2021-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX. I spoke with the lady at the bankruptcy court because my credit also has a banktupcy on there thats not mine. She clearly stated that there is no bankruptcy in their court system so please tell me how this happen. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MA)

They doubled my charge, I asked them to refund it and they told me to wait XXXX  days after complaining and then send me a check for another XXXX days, I think it's absurd because if next month they deduct XXXX installments at once without my authorization, I'll have to wait for them to send me my money back whenever they want.
Consumer complaint received 2021-09-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: LendUp Loans LLC (CA)

I was taking loans out from lendup for many years snd they kep charging me late fees and then reported me as a 30 day late on my credit reports I had multiple conversation with this company between XXXX and XXXX to get this report of my XXXX XXXX XXXX and XXXX. 
They ripped me if for hundreds of dollars for many years. 
I can not get this company to remove late payments I never had or get a refund for their fraud. 
Please help, Address used when I had loans XXXX XXXX XXXX XXXX XXXX CA XXXX Please let me know how to get this resolved as I have hire XXXX XXXX  to get this late payment removed with no success Thank you
Consumer complaint received 2021-09-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services (KY)

I reached out on XX/XX/2021 via letter to XXXX XXXX who owns the debt and has now outsourced to Viking Client Services. XXXX XXXX/Viking Clint services say I owe about {$16000.00} for a car. I have not received a letter of the notices or allowable resale of a vehicle. XXXX XXXX still reflects on my credit report with XXXX, XXXX, and XXXX with no proof of debt owed or legitimate documents. This has harmed my credit and is considered a violation of the FDCPA and FCRA. Please advise I submitted a letter to XXXX, XXXX, and XXXX in regards to having the debt collector verify the collections and havent received anything.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

I made a payment through my web bill pay account at ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX in the amount of {$400.00} to XXXX XXXX Credit Card ( Synchrony Bank ). I noticed the payment was missing when I was reviewing to file my taxes. I disputed the transaction with my bank on XX/XX/XXXX but Synchrony Bank could not find the payment. Ever time Synchrony Bank charges me for the payment I file a dispute. My most recent dispute was filed at XXXX XXXX XXXX XXXX with a girl named XXXX and she told me XXXX XXXX XXXX XXXX  received notification from Synchrony Bank that the original payment was received back XX/XX/XXXX. I am so frustrated that the payment has not been found for the last year and two months.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (IN)

Self Lender is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX**** Balance : {$0.00} XXXX XXXX XXXX** Balance : {$210.00}
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (FL)

Equifax noticed that your scores dropped by 46 points on XX/XX/XXXX and must be confirmed or disputed by today here XXXX The above was a text message it said from equifax I received from XXXX.today and I believe it could be fraud
Consumer complaint received 2021-09-19
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. (IL)

Someone has stolen my identity and opened up 6 different credit cards in my name. My credit reports are currently showing these fraudulent accounts XXXX XXXX  XXXX opened on XX/XX/XXXX and charged off with a balance of {$2500.00} XXXX XXXX XXXX opened on XX/XX/XXXX that has been paid and closed XXXX XXXX XXXX  opened on XX/XX/XXXX and charged off with a balance of {$1100.00} XXXX XXXX XXXX  opened on XX/XX/XXXX currently open with a balance of {$460.00} XXXX XXXX  XXXX XXXX opened on XX/XX/XXXX sold to XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$3100.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$400.00}
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Please refer to my previous acceptance in XXXX, XXXX of the retention program as amended in the SLS response to my complaints to Consumer Financial Protection Bureau ( CFPB ) ; that is without a balloon amount of about {$380000.00} ( See Appendix A attached ). SLS had corrected The term of the loan was extended to XXXX ( 480 months ), with an interest of 2.875 %.

The current retention approval ( Appendix B-Page 10 ) has re-introduced the balloon amount of {$380000.00} contrary to Appendix A attached as advised to CFPB. The purpose of the retention program is to capitalize the arrears of about {$100000.00} and reduce monthly by extending the amortization terms from 360 months to 480 months. 
To address the unpaid of arrears of about {$100000.00} by adding a balloon amount of {$380000.00} that is an increase in the mortgage amount by {$280000.00} will NOT be a retention program. 
Please maintain the approval sent to CFPB in Appendix A without the Balloon amount of {$380000.00} since the arrears of {$100000.00} have been taken care by capitalization with increase in the 1st and 2nd Unpaid principal Amount ; and the reduction in monthly mortgage amount addressed by the extension of amortization period from 360 months to 480 months. The balloon amount negates the essence and purpose of the Retention Program. 
I humbly request that the modification/retention offer reflect these terms of the restructured loan as per your information to CFPB, that is without the Balloon Amount of {$380000.00} and the implementation of the extended amortization period of 480 months in determining the Loan Maturity Date ( LMD ) in line with the advise given to CFPB in XXXX, XXXX when same complaint was made, so that I can commence a revised trial period beginning on XX/XX/XXXX, as stated in the program. 
Thank you for your understanding. 
XXXX XXXX XXXX Attd : Appendix A : Retention Letter sent to CFPB by SLS in XX/XX/XXXX Appendix B-Page 10 : Current Retention Letter-XXXX XXXX XXXX
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I gave back a Lexus to Lexus ( Toyota Motor Corp ) in XX/XX/XXXX. Lexus closed the account formally in XX/XX/XXXX and told me they were writing the car off, and said I didn't owe them anything. They said the debt that was written off may be sold to a third party but I had no obligation to them. No one ever contacted me regarding this. 

In XX/XX/XXXX, I was buying a home and disputed the presence of this closed debt with Toyota Motor Corporation with approx. $ XXXX balance. Lexus apparently REOPENED the account at that time and turned it active! XXXX dropped my credit score 123 points and started reporting late payments for an account that had been closed almost 6 years.

I called Lexus, and they apologized for their mistake and immediately closed the account. XXXX and XXXX immediately restored my credit score. However, XXXX continues to this day to report missed payments on this CLOSED account. I never once missed a payment on this vehicle. I negotiated with Lexus to give the car back for sale in XXXX. 

I need Lexus to restore the original official account closing date ( XX/XX/XXXX ) and remove any reports of missed payments on this account. Also, I need XXXX to restore my credit score of XXXX.
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (NJ)

FIRSTSOURCE advantage has been sending emails demanding I pay an unvalidated debt with false and deceptive forms 15 USC 1692j. With no prior consent from I consumer pursuant to 15 USC 1692 ( c ) ( a ). This is extortion due to the FACT I have no known authorized CONTRACT AGREEMENT with FIRSTSOURCE ADVANTAGE.
Consumer complaint received 2021-01-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (IL)

Original debtor requested certain information that was sent by myself, and uploaded directly on the website on XX/XX/2020 and XX/XX/2020 to validate that this debt could not be paid, and that I needed to be put on a deferment or repayment plan. Original debtor refused to acknowledge the uploaded document, and requested that the document be frivolously uploaded together. The debtor is using frivolous tactics to collect on more than what is owed and may be in violation of FDCPA rights for consumers.