davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I writing because I pull my credit on XX/XX/XXXX found out about this collection from XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They reply to my letter and also sent me something, bearing my signature which I know it is not my signature. This is not my account I never applied or signed a contract with XXXX or anyone with this company. I find out that are doing this to a lot of people. They have a civil lawsuit that I am going to be joining. 
XXXX XXXX Lawsuit Targets Victims Nationwide : here the website about civil case https : XXXX/ Through further investigation, PDH attorneys have discovered that our clients are far from the only victims of this scheme. Dozens of complaints have been filed by other individuals fighting with XXXX, debt collectors, and credit reporting agencies to remove these fraudulent accounts from their credit reports. The victims include both XXXX customers and people who had previously never even heard of XXXX. We believe that the number of people across the country that XXXX employees have included on XXXX accounts without authorization is in the thousands. They are signing people names on contract. I am talking to FCRA attorney about this member and handwriting analysis expert. The FTC and the attorney told me reach out through this complaint with CFPB about the violations of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. Be aware that I am making a final goodwill attempt to have your clear up this matter deleted from my credit report because of fraudlent actions of XXXX  AND IT WILL INCLUDED XXXX XXXX XXXX.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of 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. Please remove item that is harming me financially. I will be pursuing legal actions against both companies and credit bureaus.
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (RI)

I received an account statement from XXXX XXXX XXXX of XXXX, XXXX dated XX/XX/XXXX indicating I owed them US {$1100.00} for ER services received on XX/XX/XXXX. I called them on XX/XX/XXXX and told them I am not the person who received the services because I moved out from XXXX County on XX/XX/XXXX and that in XXXX I was already living in Rhode Island. They asked me for my DOB and confirmed that it is different than their patient 's. 

Later on XX/XX/XXXX I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX saying I owed US {$1100.00}. to XXXX XXXX XXXX XXXX XXXX and in XX/XX/XXXX I received another letter from the same people asking me to pay {$2300.00} to the same medical facility. 

I called the law firm on XX/XX/XXXX letting them know I am not the person who received medical services. They asked for the last 4 digits of my SS # and said they were going to relate it with the one of the person who received medical services, to make sure I am not her. 
I called again on XX/XX/XXXX telling them the same, I never received services in that medical facility. This time they said they were going to remove my name from they mailing list. I think they did, because I have not received more letters from them, but it looks like XXXX XXXX XXXX XXXX XXXX sent the account to another collection agency, Amerifinancial Solution. 

An alert from my credit card made me aware that something is damaging my credit. I called and they told me what's going on. According to XXXX the debt showing are two accounts, one for US {$620.00}. and another for US {$84.00} from the same medical facility.

I don't understand if since the first letter I contacted them and apparently it was clear that I did not received services. Looks like this person lived in the same trailer park I lived 20 years ago, is using the same name I used at that time, but I am not her.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (IA)

I applied for a card they said had guaranteed me to get. I was denied. They promised me {$50.00}, yet have not received it. Now they have stopped answering emails ( changed emails once due to my email acting up. Its resolved now )
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Resurgent Capital Services L.P. (NJ)

On XX/XX/2020, LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-08-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (NC)

I submitted a Cease and Desist letter to XXXX and in that letter I stated that stated that as the Original Creditor 15 USC 1692a ( 4 ) That I do not owe the debt. I have made numerous calls to them requesting information on the Original Creditor to whom they claim the debt is owed in accordance to 15 USC 1692g ( a ) 5 they have failed to provide that information despite numerous attempts to have those records sent. I have made several complaints which CFPB refuses to look into despite the many violations of the debt collector and their continuance harassment, threats to confiscate my property and their use of abusive language. I have sent a recession and that was ignored as was all other correspondences I've sent to them. XXXX CONTINES TO SEND XXXX LETTERS ALLEGING THAT I OWE A DEBT DESPITE THE CEASE AND DESIST XXXX IS REFUSING TO ADHERE TO AND ADDRESS THE DEMANDS SET FORTH IN THE CEASE AND DESIST CFPB continues to close this case without further investigation! This is a direct violation of the enforcement authority of your organization : Enforcement Authority CFPB is authorized to conduct investigations to determine whether any person is, or has, engaged in conduct that violates Federal consumer financial law.16 Investigations may be conducted jointly with other regulators,17 and may include subpoenas or civil investigative demands for testimony, responses to written questions, documents, or other materials.18 CFPB may bring administrative enforcement proceedings19 or civil actions in Federal district court.20 The Bureau can obtain any appropriate legal or equitable relief with respect to a violation of Federal consumer financial law, including, but not limited to : Rescission or reformation of contracts. 
Refund of money or return of real property. 
Restitution. 
Disgorgement or compensation for unjust enrichment. 
Payment of damages or other monetary relief. 
Public notification regarding the violation. 
Limits on the activities or functions of the person against whom the action is brought. Civil monetary penalties ( which can go either to victims or to financial education ). CFPB has no criminal enforcement authority. 

16 Sec. 1051 17 Sec. 1052 ( a ) 18 Sec. 1052 ( b ) and ( c ) 19 Sec. 1053 20 Sec. 1054
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing this letter as a natural person to request the removal of a XXXX late payment from my consumer reports or the deletion of the account from XXXX XXXX XXXX XXXX accordance with my rights under 15 U.S. Code 1681a. 

On XX/XX/year>, I traded in a vehicle at a car dealership. However, unbeknownst to me, the dealership failed to pay off the trade-in at that time. As a result, there was a reported 30-day late payment on my credit report. I would like to emphasize that this late payment was not a result of my failure to make a payment on time, but rather a consequence of the dealership 's failure to fulfill their obligations.

I have diligently worked to maintain a good credit rating and have since paid off my account with XXXX XXXX in full. It is unfair and unjust for my credit rating to suffer due to circumstances beyond my control. I believe that it is the responsibility of data furnishers, such as XXXX XXXX, to accurately report information that reflects the consumer 's creditworthiness. 

I kindly request that the XXXX late payment be removed from my credit reports or that the account with XXXX XXXX be deleted to rectify this inaccurate reporting. I appreciate your attention to this matter and thank you for your assistance in resolving this issue.
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2021 {$9900.00} were wired from our deposit account at the USAA Bank, XXXX XXXX, Texas to and individual account at a different bank. We reported the fraud to the bank on that date. 
Since that date we have communicated with USAA numerous time to recover our funds. 
After two months the bank refused to reimburse our funds. We requested a written statement as to why our claim was rejected, They have refused to share their findings in writing. 
We escalated our claim to XXXX. After their review they escalated our claim to XXXX. XXXX have required documentation. We have provide extensive evidence of the fraud. Now XXXX wants a statement from USAA. As noted above we are unable to obtain such a statement. 
We have engaged an attorney, He have determined that we would need to sue the USAA to obtain their written findings/opinion.
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit inquiry is NOT legitimate. I did not ask them to check my credit and they keep calling and harassing me trying to sell me solar energy etc. 


XXXX/XXXX  XXXX XXXX
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

So the problem at hand can go into more then just hard to find and misleading print. But also mishandling of funds as well as refusal to take action. So I used XXXX through the hunington app to transfer money for the sale of a device of which one was payment and a little extra for shipping at exactly XXXX dollars then another two one for XXXX and another for XXXX all together for the item and XXXX XXXX XXXX absurd shipping prices. After this he refused to give me a tracking number and I never received the item or the money back. 

I admitted I was at fault for authorizing the transaction however it didnt transfer immediately and they refused or couldn't stop it from sending which should be a basic function by any service such as XXXX  with fraud protection. Yet they seem to do this to shift as much blame away from themselves to the individual or the bank and the bank will just argue there at fault and should help. This has led to two months of back and forth. They closed the case without notifying me until a week and a half plus later through mail. 

They dont do fraud protection and apparently dont have the ability to shut down scam accounts. Which I call the validity of as any money banking service should have more then the means and power to do so. As well as stopping transactions that haven't fully finished. This has left me with nothing but two months of frustration with no communication to me as I had to prompt it each time by calling in except for the slips in the mail for the three transactions and nothing being done about the multiple times they messed up and lied about timing or in general to me.
Consumer complaint received 2021-08-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Opportunity Financial, LLC (IL)

On XXXX XXXX my account was debited {$150.00} and caused my bank account to be overdrawn. Then the following day on XXXX XXXX my account was debited for the same amount {$150.00}.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: World Acceptance Corporation (MO)

World Finance refuses to discuss the debt being fraudulent. I have never heard of them or received a bill from them. I know this is fraud but they refuse to take this off my credit report and it is hindering my request for a loan.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I transferred {$25.00} out of my checking account that had sufficient funds with Suntrust Bank, now ( Truist Bank ). The transfer was in the form of a check made payable to XXXX XXXX, with my name at the top of the check as XXXX XXXX. The problem is that I never received the check in the mail until XX/XX/XXXX. The check had my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX which is correct, however when I called Sun trust bank today XX/XX/XXXX in regards to the check being returned, I was given a false reason from a customer service representative who was unclear and not forthcoming in his explanations of why the check was returned. He also stated that I had insufficient funds on XX/XX/XXXX, which is clearly a lie because I made certain that account had funds to cover the transfer. I want Suntrust Bank to refund me my {$25.00}. Suntrust is not transparent in their business practices and is attempting to rob me of my monies including attaching excessive and illegal fees to my account. I need your help to obtain my money from this shady bank. I believe this bank intentionally waited four months to send me my money in attempts to cheat me.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX XXXX : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

I paid my XXXX XXXX  bill on time in XX/XX/XXXX, but seems that due to the XXXX XXXX XXXX the amount was posted late. A late fee and excessive interest was charged on the XX/XX/XXXX bill received in XXXX even though I paid the full amount because AMEX showed it was just a few days late. I contacted AMEX and they refused to make any changes on the fees and interest. I then paid the bill in full including the late fee and interest on time well in advance of the due date. 
On my next bil for XX/XX/XXXX and received in XXXX, interest was charged at over 29 % even thought I paid in full on time. This was called trailer charges. This does not seem fair. I finally was able to have it waived, however, this is not right. I should not pay interest if I pay my bill in full and on time. I consider myself an educated consumer that has paid my credit cards in full monthly for 40 years and I am being taken advantage of by AMEX so I am sure they are really hurting poorer and uneducated people. I want CFPB to investigate why it take AMEX so long to post a payment to the account, why AMEX is able to charge 29 % interest and why after making a fee on the purchase they go after tier customers. Also, they may have held back my XXXX XXXX too.
Consumer complaint received 2024-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

I have called XXXX XXXX a representative of Transworld systems several times at the phone number that was provided to me XXXX. I have left messages with the best number to reach me, She has not returned any of my calls to get more information on this medical debt that is violating my right to privacy by reporting this medical debt on my credit report.
Consumer complaint received 2021-08-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Took out a vehicle loan with Santander USA in XXXX. Consistent issues with the company including a wrongful repossession while the primary account holder was on active military duty and was gone for training. Company reported the account to credit bureaus as charged off/bad debt, even though we were still making payments. Company finally provided a notarized letter stating the account was paid in full in XX/XX/XXXX, but has not reported that information to credit bureaus.
Consumer complaint received 2021-08-27
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)

Company was asked to provide written consent from me giving permission to publish items on my report. Company has yet to do so even after receiving my request for them to produce proof of permissible purpose.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (CA)

I am a victim of identity theft. My information was obtained without my knowledge and was used for monetary gain. The following accounts are not mine.

CMRE FINANCIAL {$3500.00} account number- XXXX XXXX XXXX XXXX XXXX {$19000.00} account number-XXXX