davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-12-29
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: RGS Financial, Inc. (TX)

On XX/XX/XXXX I received a credit report where bad information had been reported to XXXX Credit Reporting agency. A debt for collections. I am a XXXX XXXX XXXX XXXX XXXX XXXX. 
Often The VA will authorize and contract outside services to perform services, such as XXXX services, which is my issue. The XXXX company is holding me responsible for payment that was sent to RGS Financial for collections ( XXXX XXXX XXXX XXXX, Texas XXXX ) This action hurt my credit score. The payment is not my responsibility the debt is owed by the VA. The results of my dispute to XXXX   explains that the collection reported had been removed but remains the company that  reported the information has certified to XXXX  that the information is accurate. My concern, how am I made whole for the damage caused by that bad information reported to XXXX?
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

" I was sold a LEMON. '' Credit Acceptance Corporation placed inaccurate information on my Credit Report.

The vehicle was not Voluntary Surrendered.

The Vehicle was a lemon.

I have requested this company to remove this statement of Voluntary Surrender off of my Credit Report.

I like to have a Consumer Statement of : I was Sold a Lemon to be placed on my Credit Report. Or The Vehicle was a Lemon. The car never was repaired and it was unsafe to drive. 

I, the Consumer, XXXX XXXX paid over {$10.00}, XXXX ( XXXX XXXX Dollars ) into Repairs for this Lemon Vehicle.

The repairs exceeded the value of this Lemon Car. So, Therefore I like for the Statement of Voluntary Surrender to be removed off of my Credit Report.
Consumer complaint received 2020-04-06
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2020-04-06
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)

remove the vioilations attached The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX : OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, XXXX Bank to Reimburse Consumers for Unfair Billing Practices XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC.

no civil violations can count as debt XXXX XXXX : FTC Settlement Imposes {$100000.00} Fine Against Online Retailer for Failing to Post Required EnergyGuide Information for Appliances Agency Files Complaint Seeking {$540000.00} Penalty Against Another Retailer For Similar Violations XXXX XXXX : The FTC also alleges that XXXX XXXX falsely told loan applicants that Investors Have Backed Your Loan while knowing that many of them would never get a loan, a practice that delayed applicants from seeking loans elsewhere. ... The company is charged with violating the FTC Act and the Gramm-Leach-Bliley Act.
Consumer complaint received 2022-12-29
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal  regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (CA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-06
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)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (ME)

I have reach out to the reporting Agencey Equifax both my phone and Mail asking for them to mail me my complete file and to also investigate inaccurate information reporting on my credit report. I'm yet to receive any response rather than stall tactics, saying they can not. verify my information! even with me sending them my ss card and other proof that its me.am asking CFPB to help with me being able to accesses my Consumer File. i will attach the letter i have mail. to them telling them to update the outdated information they have.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/2022 a check for approximately {$2100.00} was stolen from my apartment leasing company XXXX and fraudulently cashed. 

The check was written to XXXX and an individual simply signed their name on the back and TDbank cashed it. 

On XX/XX/XXXX an affidavit of forgery was completed and notorized with TDbank. They have since provided no substantial updates and have ignored several calls. 

Additionally, the TD fraud center said they did not receive the case until XX/XX/2022 when I spoke with them today XX/XX/2022.
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (NC)

I have been trying to get remarks removed from all 3 credit bureaus XXXX XXXX  and Experian after numerous attempts they still refuse to remove these remarks off of my credit report, they have violated the fair credit reporting act by denying my requests. This is my fourth attempt to get this resolved and they still havent removed these negative remarks.
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (GA)

I got a new debit card a week ago. I've called the number on the " sticky '' on the card to activate it many times now. I get a recording stating that my card has been mailed and delivered - no option to activate. After trying 3 phone numbers trying to get a human I'm told ( by recording ) that there's a longer than average hold time. Soon after this they disconnect.

I understand limitations due to COVID. However this has happened a few times before COVID even hitting XXXX. I call for days ( in the past ) and wind up getting a human at about XXXX XXXX. Also, my wife banks with XXXX. They have humans manning the phones. Why not US Direct Express? 

I got paid on XX/XX/2020 and have been trying to rectify this over and over on a daily basis. I filed a complaint with the XXXX. They determined that it was a valid complaint and forwarded the complaint to US Direct Express but they allow 30 days for a resolution. I can not wait that long. 

I'm not a litigious person. I've never sued anyone. If I could speak a person at US Direct Express I would assure them that they could count on a law suit. Their actions ( or lack of ) are reprehensible. 

COVID DOES matter to me! I have over {$1300.00} in that account but am unable to buy food, medications and necessary sundry items. I can't pay rent or anything else. It strikes me that it would be a good thing to be able to eat this month.
Consumer complaint received 2022-06-03
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. (SC)

Bogus collection accounts listed as other account on Equifax credit report. XXXX and XXXX has deleted these accounts however Equifax hasn't. Equifax says the accounts was verified. 
XXXX XXXX XXXX XXXX  # XXXX {$1500.00} Acct # XXXX {$2600.00} XXXX XXXX XXXX  couldn't provide me with any binding contract or signature. They sent me statements on XX/XX/22 and the cover page says, This communication is from a debt collector but is not an attempt to collect a debt.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

Toyota financial repossessed our XXXX Toyota XXXX without a notice letter stating that they were repossessing the vehicle at XXXX on XX/XX/XXXX and made payment arrangements with Toyota financial to pay the balance that was owed. I recommend never to go with Toyota financial.
Consumer complaint received 2020-04-06
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. (MD)

I have contacted XXXX XXXX XX/XX/2019 and I did not authorize them to make an inquiry on my credit report. I will to have them send me proof of authorization or delete.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NJ)

On my Santander account on all 3 credit bureaus XXXX, XXXX, XXXX is reporting inaccurate late payment dates. Check XX/XX/year> they got me 30 days late in XXXX and 30 days late in XXXX and 30 days late in XXXX. Its impossible to be 30 days late each month instead it should have been XXXX  30 days, XXXX  60 days late and XX/XX/XXXX. Also XXXX XXXXXXXX and XXXX they have both 30 days late and XX/XX/XXXX and XX/XX/XXXX all inaccurate.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

Original purchase made in XXXX, when I signed up for said credit card. Never received said card in order to make online account to make payments. Sent the company an email about not receiving it, to which they did not respond. 

I called the company and was told if I made the payment that day, which I did, I would be at a zero balance ( in XXXX of 2022 ). Have had to waste time in calling this credit card company, every month, because I receive further late fees and balances even after being told I was paid in full. 

Called again XX/XX/2022 and was told the account was paid in full. I then asked to have the account closed as well. I am now being charged additional late fees, every month, on an account that was paid in full, XX/XX/2022. 

Called the company today, XX/XX/2022, and was told it's being sent to collections and they can not remove the fees, even though I've been informed twice it was either a {$0.00} balance or paid in full. 

***Attached screenshot from original email complaining I never initially received the credit card that was applied for.
Consumer complaint received 2022-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (AR)

I get {$75.00} paid on my behalf from my employer through XXXX. Twice now, Aidvantage has not posted the amount on my loans, but by the record on XXXX, this was paid on XX/XX/2022 and XX/XX/2022. I looked at the history in Aidvantage and they show an amount of {$0.00} paid. I could understand the XX/XX/2022 payment not being fully processed after only a week, but the one for XX/XX/2022 is another story. Considering they'll charge me daily interest when the CARES Act stuff expires, this is a major problem.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (AR)

Lexington Law is using deceptive business practices to collect as much money as possible from consumers. They have made it almost impossible to cancel your service with them and falsified claims on balances owed. This company has disregarded their settlement with the CFPB and returned to scamming as much money from customers as possible. Additionally they purposely ignore any work previously done in order to prolong the payments a consumer makes. 

Lexington law has billed me on different days of a month making it impossible to plan for a charge. Additionally when I called to request my account be closed and refunded for the charge pending they denied both closing the account and refundind the money. I will be filing a chargeback against Lexington with my bank as I DO NOT authorize this charge.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (IL)

Early warning systems told me that the information that XXXX  XXXX XXXX provided to them was accurate. despite me proving with actual receipts from the date of incident. 
the date of incident is XX/XX/2020. Not XX/XX/2020 and the amount should say settled or paid instead of unpaid like they allege. 
Early Warning Systems also sent documentation regarding my case to an email address which I did not request and I need them to mail me the paperwork like I did request. 
Early Warning Systems clearly neglected to do any research or an investigation. They obviously didn't look at my dispute documentation I sent to them.
Consumer complaint received 2022-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (VA)

The person posted on her/their XXXX  page i believe it was XX/XX/XXXX that a company was giving up to XXXX away if we commented under post she would send us details. I did and at first it was just XXXX that we needed to send her and then we would receive the money I did do it but thing just escalated and kept requesting more and more when I attempted to stop that she told she would go to jail and she would get in trouble and i felt bad so i continued, In total i believe i sent her {$7200.00}. I even deposited a check she told i would recieve in the amount {$22000.00} and after i did i had to send her more and then the check was refunded and I lost everything i send it her plus whatever was taken out due to the check. So now i'm in debt with my bank.