davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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)

I am writing to file a complaint against Experian for allowing XXXX XXXX XXXX to report fraudulent and negative collection accounts on my credit report despite the fact that they know my account is under investigation for identity theft. As a victim of identity theft, I have taken all the necessary steps to report this crime and have already filed a complaint with identity.gov. However, Experian has not taken the appropriate action to block any inaccurate information related to XXXX XXXX XXXX from appearing on my credit report, as required by federal law. Furthermore, I am concerned that Experian is not conducting proper investigations before allowing companies to report information on my credit report. This is unacceptable and goes against the Fair Credit Reporting Act, which requires credit reporting agencies to ensure that all information on a consumer 's credit report is accurate and fair. I urge you to investigate this matter thoroughly and take appropriate action against Experian for allowing fraudulent and negative information to be reported on my credit report. I also request that XXXX remove all inaccurate information related to XXXX XXXX XXXX from my credit report and provide me with a written response within 10 business days, confirming that the information has been removed.
Consumer complaint received 2017-07-14
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: TD BANK US HOLDING COMPANY (FL)

im working with XXXX XXXX to help repair my credit .little over a year ago someone tried to use my ss # i had to send information to the irs and other creditors so if you could please remove the hard inquires on my report i would appreciated thanks.
Consumer complaint received 2024-04-01
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: LEXISNEXIS (FL)

On XX/XX/2024 I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (NY)

To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX XXXX Acct : XXXX XXXXXXXX  Acct : XXXX XXXX/XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX/XXXX Acct : XXXX XXXX Acct : XXXX Education Loans XXXX LNS US DEPT OF ED/XXXX  3x accounts
Consumer complaint received 2022-05-28
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. (NY)

To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX  US DEPT OF ED/XXXX XXXX accounts
Consumer complaint received 2017-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/XXXX I sent a notice, via certified mail, to Portfolio Recovery Associates, that their claim for a collections account, with a balance of XXXX is formally disputed.
I requested validation of the debit, pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with local state laws, requesting " validation, " that is competent evidence bearing my signature, showing that I have ( or ever had ) a contractual obligation to pay them.
On XX/XX/XXXX Portfolio Recovery Associates sent me a letter titled Verification Information Concerning Portfolio Recovery Associates with an account number, and some additional irrelevant information, but nothing bearing my signature as requested.
On XX/XX/XXXX, I sent a second certified letter to Portfolio Recovery Associates, once again, requesting them to send me a copy of any viable evidence, bearing my signature showing the account is reporting accurately and that I have a binding contractual obligation to pay them the alleged amount.
I also requested the name, address, and telephone number of each person who personally verified this alleged account.
On XX/XX/XXXX Portfolio Recovery Associates sent me the same exact letter they sent me the first time. Once again, they have failed to provide any documents bearing my signature.
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They are in violation of the Fair Debt Collections Act and the Fair Credit Reporting Act.
Also defamation of character and negligent enablement of identity fraud.
Consumer complaint received 2022-05-28
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. (NY)

To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX accounts
Consumer complaint received 2022-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BELMONT FINANCE LLC (NC)

Belmont Finance LLC Pulled my credit report after I sent them a Right to Rescind Notice, A Cease and Diest Notice, Affidavt of truth Notice. I never request them to pull my credit. This is fraud and Illegal activity, A Company can not rebutt a natural person I have not sign a contract with Belmont Finance LLC, I sign with XXXX XXXX  They keep saying that every thing is acurate and they are reporting truth to the CRA, I have not been provided any type of proof that I sign a wet contract, A legal contract with Belmont Finance LLC They have not validated this account. The countinue to report my account late to the CRA. Late payments are illegal 15 US code 1681 A 2 A, Transactions are not included on my credit report so how can there be late payments. I demand that Belmont Finance LLC Leave me alone. They keep harrising me reporting negative false information that I did not Authorize them today.
Consumer complaint received 2022-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (SC)

XX/XX/2022, HUNTER WARFIELD has violated my consumer rights. Hunter warfield has broke the laws of the Fair Debt Collection Practices Act. I want monetary relief. I have attached my affidavit and invoice. I have attached a copy of the validation letter that was sent to a address that is not mine as well. I cycled the laws that have been broken and labeled the laws next to them.
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (NC)

In accordance with the fair credit reporting act XXXX  account # 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 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. I also have proof of 3 violations they also made against me and will be further pursuing monetary Relief.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I never received written notice of the debt. The collector purchased the debt in XX/XX/XXXX and added the collection to my credit report the same month. I was XXXX  from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. The address they sent the notice of debt to was my fathers old address which he moved from in XXXX XXXX XXXX. I was XXXX  in the XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX when I was transferred to a XXXX  XXXX  Maryland until XX/XX/XXXX when I was XXXX. The collector is saying I received notice in XX/XX/XXXX which is impossible. Even if the notice of debt was forwarded to my fathers new address, he would not have been able to receive notice on my behalf because he never had XXXX XXXX XXXX XXXX XXXX. The address I was 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. If the collector would have given me proper notice at any point during this time period they would have received a notice from which ever XXXX  I was in due to it being legal mail. Taking into consideration the notice of debt the collector sent is fraudulent at this point this collection needs to be removed from my credit report. The acts they are participating in and are unethical. If this collection is not removed from my report I will be filling a lawsuit. This blemish on my report caused by false information is causing me so much stress in dealing with this debt collector and also trying to get more credit and an auto loan. This collection from this collector is defamation of character and under case United States Court of Appeals, Fifth Circuit, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX I have the grounds to proceed with this lawsuit.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (CA)

I thank Seterus Inc. for their response. There seems to be areas for correcting their findings and perhaps practices for other accounts.
1 ) Escrow account : Seterus said that they applied my tax refund to in the amount of {$2400.00} back to my escrow account. That, in addition, " there was an escrow shortage of {$440.00} '' as of the date of their XXXX answer to my complaint .... '' Please be advised that you will only receive part/all of this tax refund if there was an overage in your escrow account. '' Here, Seterus received TWO of my tax refunds, one in XXXX, which they accounted for, but also one in XXXX, of the same amount, which for which they did not account in their XXXX response to CFPB. This information was faxed to and made part of my CFPB file and received by Seterus. Therefore, this second tax refund should be sent me as soon as possible.
2 ) The XXXX tracking of my XXXX payment. In XXXX, I sent at least two envelopes by certified mail. Seterus ; answer seems to have mixed up the tracking for the XXXX XXXX and XXXX XXXX mailed envelopes. They have the first page of the tracking number ending " XXXX '' which did n't arrive until XXXX XXXX. But their second page refers to the XXXX XXXX mailed PAYMENT which number ends in " XXXX, '' was waylaid through Tennessee, but still was signed for by Seterus ' agent on XXXX XXXX, 2017, so the payment was NOT late. It looks like they mixed up the two XXXX tracking statements somehow.
3 ) New : on my XXXX statement, it says the Regular Payment is {$1100.00}. But at the top of the statement, it says that the " Amount Due '' is {$1200.00}, presumably including a {$30.00} late fee, IF the payment is late, after XXXX XXXX, 2017. But at the BOTTOM, on the payment coupon, it says " Total Amount Due '' XXXX. Then it says " payment after XXXX XXXX, 2017 is XXXX. But the regular payment is XXXX It looks like Seterus ' error here, could make many people pay a late fee TWICE. If this is compounding the practice over thousands of customers, this error could make a serious error of millions of dollars to the detriment of customers and create a serious accounting problem.Seterus needs to fix this.
Consumer complaint received 2022-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act XXXX  account # 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 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. I also have proof of 3 violations they also made against me and will be further pursuing monetary Relief.
Consumer complaint received 2017-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK (CT)

XXXXXXXX XXXX XXXXXXXX a debt collection company by and through XXXX XXXX XXXX, who claims to be representing Discover Bank, and put a action in JUDICIAL DISTRICT OF XXXX, which is not the proper venue, and it appears that this " complaint '' was brought by a " third party " for a " alleged debt '' that was not validated or verified, by the alleged " creditor '' or a affidavit of debt, was submitted, after numerous notices of dispute was sent to the third party and DISCOVER, which was not validated in accord with 15 usc 1692g, or GAAP, as a consumer i never gave consent to contact " the consumer '' as i third party has no authority to do so 15 USC 1692C, XXXX XXXX is claiming to be a attorney without proper Power of Attorney form ( form 56 ) or a license for a debt collecting company in the STATE of Connecticut, and is using the JUDICIAL DISTRICT OF XXXX, to send abuse communicating in a attempt to get the consumer to default and for the consumer to file for bankruptcy, case number XXXX JUDICIAL DISTRICT OF XXXX
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, sometime in mid XXXX of this year 2022 I noticed my Bank of America checking account was locked and i was never given a heads up or a reason why. When i called They just stated that they were closing my account for whatever reason they may have. The major thing is that they are holding up all my funds i had in my account close to $ XXXX and its been a month now. I have had to borrow money from my peers in order to get by since BOA is holding up my money. Please help. Its insane how theyre able to do this. : (
Consumer complaint received 2021-06-16
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: TRUIST FINANCIAL CORPORATION (FL)

ON XXXX several loan appaers in my credit report after noticening i inmeaditly began to call these bank and reported these loan wich are fraudelent and not mine they instructec me to make the proper report, FTC, CONSUMER FINANACIAL PROTECTION, XXXX COUNTY SHERIFF, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXXI # XXXX SUNTRUST # XXXX
Consumer complaint received 2024-04-01
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: ADP Inc. (CA)

I had contacted wisely card services dispute department before XX/XX/XXXX to dispute a charge in the amount of {$25.00} transaction date XX/XX/XXXX ( merchant XXXX ) The transaction is still showing as of today, XX/XX/XXXX, a temporary authorization hold. The main concern is I had to dispute this charge, because the drive with XXXX was unsafe and Im still waiting for my refund so I had to dispute the charge with wisely card services. 
Today I received a letter dated XX/XX/XXXX from XXXX card services that my dispute has been denied. 
There is no explanation of why I dispute was denied. In addition this process took wisely card service as well over the 90 days of time. to complete alleged investigation if they thoroughly investigated it, they would see that the refund shouldve been credited to me. This is not the first time wisely card services has done me and hug me out to dry over 90 days.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I opted out of the sharing of my non public personal information to non affiliated third parties ( XXXX, XXXX, XXXX and all other consumer reporting agencies ) under the GRAMM LEACH BLILEY ACT 15 USC 6802. TOYOTA has ignored and did not comply with my request. I have proof of the letter I mailed to them attached below and the certified mail number with proof of Delivery. It's been over 30 days since delivery. I'm writing this complaint so that they can comply.
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

on XXXX XXXX, i went to TD bank branch to do wire transfer. i did the wire transfer. i was told the wire will be available by XXXX XXXX after XX/XX/XXXX, i contacted TD bank telling them the Recipient didn't get the money. i was told the bank will investigate. kept calling every few day and every time i get different message. about XXXX XXXX received call from TD bank stating the wire was returned due to recipient bank doesn't receive money in US Dollar. i told them i always send money to the same account using other banks and never had issue. i said okay when will the refund will be available in my account, they said 3-5 business day. until today i still didn't get the refund. i call 2 times a week. every time the bank say something different. first they said the wire on hold with the Recipient bank. i contacted the Recipient bank and they said they never received the wire. nothing in their system shows the wire was received or retuned or rejected. the Recipient bank did check and told me the wire in hold by XXXXXXXX XXXX in XXXX. i contacted TD bank and i said the wire in XXXXXXXX XXXX and they said ohh yeah XXXX XXXX  is our middle bank and we will investigate. since then nothing happened and every time i call, no information.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Comerica (CA)

I receive my Social Security Retirement on a Debit Card through a company called, DIRECT EXPRESS. It took 3 days to reach a person who knew what to do. She said she would need to send me investigation forms to to fill out and return to them If I don't get the forms back to them by XXXX. I HAVE NOT RECEIVED THE FORMS YET. They said if they don't receive the forms by that date. I will have to wait 90 days. When I call, either I'm told to call back because there are too many callers or I have to wait extensively to reach someone. I have been disconnected numerous times
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit reporting act XXXX  account # 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 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. I also have proof of 3 violations they also made against me and will be further pursuing monetary Relief.
Consumer complaint received 2022-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capio Partners, LLC (VA)

XXXX XXXX emergency group has sold my debt from a medical bill it is showing up from two different companies capio partners and XXXX it is appearing as two separate debts and has done XXXX points of damage to my credit report. 

This was a Covid-19 related expense and should have been paid however I am getting the run around and I know it was sent to my Medicaid I also didnt give permission to share my medical information and I feel that it is a violation of my hippa rights
Consumer complaint received 2021-06-16
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. (LA)

XXXX  is Reporting, XXXX XXXX has a Balance my Balance is XXXX. 
XXXX  was also Reporting. 
XXXX XXXX XXXX With a Balance This information is Also inaccurate My Balance is Also XXXX with XXXX XXXX XXXX. 
I DISPUTED the Balance with XXXX, XXXX. And Transunion, My Request was, for Each Bureau, UPDATE, and DELETE, this inaccurate information from my File. 
My Balance From XXXX XXXX, and XXXX XXXX XXXX, is XXXX, and has been XXXX, since XX/XX/2021. 
XXXX, XXXX, OR TRANSUNION, Has not done as I Requested, and is Still Reporting inaccurate information. 
Please help me.