davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 (  1 ) XXXX  XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX   XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX   XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Contacted Equifax to get the freeze lifted for 30 days on my information. I was given a confirmation number by Equifax. Two days Iater I contacted an agency I am trying to do business with and they told me to hold, when they came back they said the freeze had not been released. I called equifax, I told the person who answered the phone I needed them to check on a confirmation and gave them the number, they said they could not confirm, but wanted me to answer numerous questions. I called the number for the corp. office, told the person i would like to talk to some one in corporate to get them to help me. When I told her what I needed she transferred me to the same customer service and the same thing happened. It has been 4 days as of today contacted the people I am trying to do business with and they again informed me the account with equifix was still frozen. Need this FIXED.
Consumer complaint received 2019-09-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (PA)

I had a XXXX XXXX XXXX car financed from GM FINANCIAL in XXXX. Actuall car financed amount was XXXX received from GM FINANCIAL. Until now i have paid almost XXXX $ from this amount GM FINANCIAL. but GM FINANCIAL took XXXX $ as interest and they treansferred only XXXX $ for car. they are charging me 18.00 % APR. monthly XXXX as interest, and i requested one letter they are not providing that letter. when i requested pay off it was showing again the actuall fiannce amount like XXXX the dealer and GM FINANCIAL are cheating me. not provinding the requested letters and tried to reposition my car once aswell. when i ever iam sending one email to send the information they are telling in 10 emails that they will not discuss through email. i dont know why?.
Consumer complaint received 2019-09-19
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)

I have written the following companies and I have not yet to receive any type of response. Im requesting to get these items removed because I did authorize these companies to pull my credit. Its going on 60 days since I write these companies. I requesting that these inquiries be deleted from my credit file/ all credit report/ credit ( Transunion, XXXX and XXXX ). Here  are the following companies : XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX on XX/XX/XXXX XXXX/XXXX-XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XXXX ; XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX   XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX / XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ; XXXX
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a Pacer System.  The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this letter. 


Sincerely, XXXX XXXX
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MN)

I went to a XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, MN XXXX ) about 2-3 months ago for getting my regular 6-month teeth clean. They offered for a XX/XX/XXXX which I said No because I don't need it. They advertised to me saying this is including with my insurance and its all free and covered. 

After I month I received a bill for the XX/XX/XXXX, when I called the XX/XX/XXXX clinic, they mentioned theXX/XX/XXXXwas not covered under my insurance so henceforth I need to pay. 
When I declined the charges, they moved my account to collection department who are threatening me that this is spoil my credit history if I don't pay.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX , XXXX Account XXXX I recently uncovered that XXXX XXXX XXXX continues to falsely report to each of the credit bureaus that my account was closed due to an involuntary repossession. Furthermore, they continue to attempt to collect a {$31000.00} balance and report to all of the credit bureaus an incorrect balance owed, saying that I owe the original balance plus their added on penalty fees and falsely report that the vehicle was involuntary repossessed. I had contacted them several times and told them to pick up the car and they REFUSED to pick it up. Only after I filed a complaint did they actually pick up the car and send a notice saying that they would sell the car at auction and the amount collected from the sale of the car would be applied to the balance owed leaving me responsible for any remaining total to be paid because they were suing me for the balance. Based on all of the information they are reporting to the credit bureaus, they NEVER sold the car and applied the amount to the balance, and they are continuing to report to each of the credit bureaus that they are continuing collection efforts on the full {$31000.00}. They have done so intentionally to cause further damage to my credit and prevent me from obtaining accurate information to file bankruptcy. Furthermore, each of the credit bureaus continues to report the false information furnished by XXXX XXXX XXXX each month including the incorrect balance and disposition that the account was closed with an involuntary repossession with in fact, each credit bureau should be reporting that the account was closed with a voluntary repossession. Shortly after my original complaint, XXXX XXXX XXXX began reporting my account correctly to the credit bureaus as closed voluntary repossession. A few months later I checked my credit reports to obtain the correct balance for this account and the balance is still the full {$31000.00} and they went back to falsely reporting that it was an involuntary repossession. After consulting with a legal advocate attorney who is handling other complaints against this credit reporting agency, I intend to seek all options including any compensation available to me based on the evidence I have accrued that documents in full detail the deceptive business practices and false credit reporting to the agency by the data furnisher, failure of the data furnisher to abide by a cease and desist even after receiving notice of my intent to file bankruptcy, and failure of the credit reporting agency to report correct valid information or remove the invalid/erroneous record from my credit report.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

My XXXX  report isnt updating my XXXX  XXXX account. Original acct number is XXXX. MCM acct number XXXX. On XX/XX/2019 I made payment of XXXX. XXXX a settlement. I have tried to dispute this also the dispute number isXXXX If you could please mark this current take out derogatory comment. Please dont close I read closed account can have negative impact on credit reporting
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AZ)

I have attached a Complaint letter. 

This complaint is regarding the credit unions namely XXXX, XXXX  and XXXX. My identity was compromised in the year 2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of 2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

XXXX deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XXXX and XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.
Consumer complaint received 2019-05-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC (VA)

I recently uncovered that AMERICAN CREDIT ACCEPTANCE continues to falsely report to each of the credit bureaus that my account was closed due to an involuntary repossession. Furthermore, they continue to attempt to collect a {$31000.00} balance and report to all of the credit bureaus an incorrect balance owed, saying that I owe the original balance plus their added on penalty fees and falsely report that the vehicle was involuntary repossessed. I had contacted them several times and told them to pick up the car and they REFUSED to pick it up. Only after I filed a complaint did they actually pick up the car and send a notice saying that they would sell the car at auction and the amount collected from the sale of the car would be applied to the balance owed leaving me responsible for any remaining total to be paid because they were suing me for the balance. Based on all of the information they are reporting to the credit bureaus, they NEVER sold the car and applied the amount to the balance, and they are continuing to report to each of the credit bureaus that they are continuing collection efforts on the full {$31000.00}. They have done so intentionally to case further damage to my credit and prevent me from obtaining accurate information to file bankruptcy. Furthermore, each of the credit bureaus continues to report the false information furnished by American Credit Acceptance each month including the incorrect balance and disposition that the account was closed with an involuntary repossession with in fact, each credit bureau should be reporting that the account was closed with a voluntary repossession. Shortly after my original complaint, American Credit Acceptance began reporting my account correctly to the credit bureaus as closed voluntary repossession. A few months later I checked my credit reports to obtain the correct balance for this account and the balance is still the full {$31000.00} and they went back to falsely reporting that it was an involuntary repossession.
Consumer complaint received 2023-09-07
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cascade Creditors Service, llc (WA)

XXXX XXXX  took XXXX from me 2 days after they had already turned me into collections. I sent certified mail to cascade collections and they refused to pick up from post office I have proof of that and receipts for the XXXX cash I gave them.
Consumer complaint received 2019-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Navient place these loans on Administrative Forbearance for 1 year in XX/XX/XXXX. Which I did not request and placed more interest on the loans at their will. I have requested proof of debt from Navient from XX/XX/XXXX, which they have not produced, yet there are requesting to payment and will try in ruin my CREDIT. In addition to requesting payment they have increased what the payment was prior to the Administrative Forbearance an extra {$200.00} I requested all payments be put on hold until this issues is resolved and proof of debt is produced by Navient. As I do not have an agreement with them either. XXXX XXXX at Navient has received certified mail about this concern. 

Also, XXXX and Navient all come from Sally Mae. An e-mail was sent to the CFPB stating that the Department of Education requested to place my loans on hold until future investigation was complete. XXXX and Navient hold the same unsigned Master Promissory Note with populated information on there I did not place, so how is it that XXXX has placed these loan on hold and Navient has not? However, they fold the same MPN? 

I will attach the letter sent to Navient. Also, I have attached an screen shot of how Navient placed late payment information on my credit report and the loan were on Administrative Forbearance because they were being investigated. They had to correct this information on the credit report.
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The Fair Credit Billing Act limits liability for unauthorized credit card charges to {$50.00}.

If the issuing bank is notified in a timely manner, usually within 30 days, even the {$50.00} is often waived. That was the way the bank or credit card issuers should do. In my case, right as soon as I got alerts on the phone about the fraudulence, the payment was still in progress of pending, I did try continuously contact the XXXX, XXXX, XXXX, XXXX and my bank immediately, parts of the fraudulence was cancelled, which saved my loss, but the last one from XXXX could not. I then contact Bank of America again and again, talking, explaining to many Agents who were there supposed to help resolving the case. They asked me to wait for 2 months, then finally stated that I was responsible for the things I had not purchased. Once again, I phoned them, then they promised that they would try upon reopening my case to review/investigate again ... Today, XX/XX/2019, I got a letter from Bank of America saying the same thing they had previously told me, that their decision had not changed, which means they did not do anything but saying I have to be responsible for that ID theft, the one who stolen my money from Credit card easily escaped and I am the victim got charged. 
Please help me! Bank of America seems to be upset or angry when they found out I reported their wrongly decision, they appear to challenge me to report to more Agencies and even so, I still will be pay for that {$190.00} that I did not purchased with from my credit card, which I asked for another card to replace over 2 months ago after I got hacked into my computer. 
I would appreciate it very much if you could help. 
Best regards, XXXX XXXX
Consumer complaint received 2019-05-01
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: EQUIFAX, INC. (RI)

I checked my credit because Im in the market to buy a house and I noticed all these inquiries that I didn't authorize. Please have all companies listed below show me my signature on any application or some sort of proof that I applied for anything or remove their inquiry 1 ) consumer CO 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX-XXXX  5.all XXXX  inquiries 6. XXXX XXXX XXXX 7.XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX   10.XXXX  11. XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX 13. XXXX/XXXX   XXXX 14. XXXX  XXXX 15.XXXX 16. XXXX XXXX XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXX 20.XXXX XXXX 21. XXXX XXXX XXXX 22 XXXX XXXX 23. all XXXX XXXX inquiries 24. XXXX 25. XXXX XXXX/XXXX 26. XXXX/XXXX 27. XXXX   XXXX  XXXX 28. XXXX XXXX 29. XXXX  XXXX 30.XXXX XXXX XXXX XXXX   31. XXXX XXXX/XXXX 32. XXXX  XXXX  33. XXXX XXXX
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (AZ)

Repeated calls from the below phone numbers before XXXX..some as early as XXXX. Commenity bank XXXX XX/XX/19 - XXXX XX/XX/19 _ XXXX XXXX XX/XX/19 - XXXX I'm sure there were many more times but my phone only holds so much information.. please advise the next step as this continued harrassment and waking up my young daughter when they call is unacceptable. 

Thank you
Consumer complaint received 2019-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One Bank has had several request to remove all my debit and checking cards removed from there file as payment my personal debit cards and checking account cards and information removed for payment. Remove all forms of payment regarding this account
Consumer complaint received 2019-09-27
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. (GA)

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I have obtain copies of the allege bankruptcies in my name : ( XXXX ; XXXX ) But after carefully reviewing them I notices that the signature appearing in them is not mine, I'm sending a notarize letter with my signature to verify that these items you have listed in my credit do not belong to me and these document can not validate this account because is not my signature there. 

It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

response within two weeks from the date you receive this letter.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (FL)

Nexis Lexis reported to my new insurance company XXXX XXXX that I had two auto accidents on XX/XX/2019, and XX/XX/2019. But I had only one accident on XX/XX/2019. XXXX XXXX passed the buck and gave me the phone number for Lexis Nexis and NO ONE answers the phone, or I am put on hold for hours. After disputing by mail and asking for my report. I am paying more in insurance because of the fraudulent reporting of Nexis Lexis. I also sent XXXX XXXX and Lexis Nexis my  Florida driving record and still was not fixed.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (MA)

I opened a checking account with TD Bank in XX/XX/XXXX, and I have previously had a checking account with TD Bank that was closed in XXXX. I opened the account with a promotion for {$300.00} for a new checking account with direct deposit terms while being not available to those who have not had a checking relationship within the past 12 months. ( See footnote 1 in the attached PDF ). I met the terms of the promotion, though TD Bank is denying me the promotional offer. I have secure messaged them multiple times from XX/XX/XXXX until now, and their response is that the offer was not intended for those with a previous checking account relationship at all. The problem is, that language was NOT in the terms of the agreement when I opened the account, and TD Bank is attempting to deny me the promotion based on language not in the contract they are trying to enforce.