davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
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)

The credit bureaus involved have NOT actually verified the information but instead have instead used the XXXX-XXXX system to verify and have refused to remove fraudulent and erroneous information. See attached letters. Please read in detail.
Consumer complaint received 2019-06-26
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)

The credit bureaus involved have NOT actually verified the information but instead have instead used the XXXX system to verify and have refused to remove fraudulent and erroneous information. See attached letters. Please read in detail.
Consumer complaint received 2023-04-10
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

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 XXXXXXXX
Consumer complaint received 2019-06-26
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: Thunderbird Collection Specialists, Inc. (AZ)

Thunderbird collections has a collection on my credit report in which I was not the patient nor the financially responsible party. 

I have disputed this with the major credit bureaus, and requested a validation of debt this and they refuse to remove the collection from my credit report. 

The validation of debt clearly shows the patient and financially responsible person is my spouse
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Certegy Holdings, LLC (FL)

I gave XXXX two check with her both cashed and merchant received the money from my bank account yet Certegy check services states check were still unpaid. I have attach copy of paid transaction from my bank showing checks were paid to merchant.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

I have an auto loan with BMW FIN SVC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BMW FIN SVC and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BMW FIN SVC with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late.  There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-06-26
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. (CA)

EQUIFAX IS REPORTING INCORRECT INFORMATION. I DISPUTED THE ERROR BUT THEY FAILED TO CORRECT THE ERROR. 



RE : ACCOUNT # XXXX XXXX XXXX Joint Installment Loan {$7600.00} Date of Loan : XX/XX/XXXX, Charge-off To EQUIFAX, The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, consumers have the right to force alleged creditors to report accurate information. The FCRA governs the behavior of consumer reporting agencies. 
EQUIFAX IS IN VIOLATION OF THE FCRA. 
VIOLATION : Furnishing and Reporting Inaccurate Information The above referenced loan is being reported inaccurately and needs to be removed immediately or I will take legal action to enforce my rights. 

In order to report this account the CRAs, must provide proof this is a valid debt and a the money is owed as alleged. Please see the California laws regarding loans. 

California Commercial Code Section 3303 ( b ) Citing UCC 3-303 ( b ) ( specifically, California Commercial Code Section 3303 ( b ) ) the Court of Appeal held that negotiable instruments, including a promissory note, are subject to the defense of lack of consideration OR proceeds. Consideration is defined as " any consideration sufficient to support a simple contract. '' Lacking Consideration Is Not Enforceable XXXX v. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  Court of Appeal, Second District, Division 3 ALL LOANS REQUIRE CONSIDERATION ( PROCEEDS ) TO BE LEGAL I have requested you to provide proof of the consideration for this alleged loan/debt. I have asked you to provide the proceeds check or disbursement check for this alleged loan of XX/XX/XXXX. Show me where you paid me the funds you are alleging I now owe. Under California state law as well as under the FCRA you must provide proof of this in order to furnish this information to the CRAs or you MUST delete this information.
Consumer complaint received 2023-08-15
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 (TX)

I told the bank that I received a damaged order, and I tried to contact the merchant for a refund, and the merchant refused to issue a refund, so I contacted my bank to dispute the charge, but my bank has not been supportive on resolving the dispute with the merchant, so I am filing a complaint because I have had issue with this bank several times failing to resolve dispute
Consumer complaint received 2019-04-19
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: American Accounts & Advisers, Inc. (TX)

I went to check for financing a vehicle, which this dealership holds, called as XXXX XXXX XXXX. They took the data and put a report on my credit with {$460.00} charge displaying it as American Account Advisor,  Out of nowhere.
Consumer complaint received 2019-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (NM)

I Received another attempt ( # 3 ) to secure payment on a medical bill from CMRE Financial Services, XXXX, CA, that is not mine to pay. Identified individual on the statement is not me. The account of the identified individual is XXXX. AlthoughI have the same first name, I have never had the last name, XXXX. A previous collection attempt by this company was labeled on the enveloped Return to sender, addressee unknown and placed in the US mail for return delivery a year ago.Below is the companys address and listed telephone number. 
CRME Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA. XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2019-06-26
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: WELLS FARGO & COMPANY (FL)

An XXXX  XXXX  XXXX  in XXXX XXXX FL overcharged my credit debit Visa card with Wells Fargo banking account. 
I immediately let the manager know that I was dissatisfied with the service and amount charged was incorrectly billed. 
This was supposed to be resolved. fast forward to Wells Fargo banking, I was issued a temp credit for {$190.00} Then it was taken away, then put on as a credit then taken away. I was told via email that the bank was on my side, bank tellers promised me credit will stay on and today {$190.00} was taken from my account again and I was told by Wells Fargo XXXX, that visa refused and bank is recharging me ; I feel cheated, lied to, and victimized by my bank and this unscrupulous vendor.
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (MA)

Opened a card to pay XXXX bill for XXXX for my XXXX. Had my own card to pay with but XXXX  suggested Wells Fargo interest free for 6 months and did not need to start paying off balance immediately. Had trouble logging on and setting up online payments a few times and called to get help. Sent to multiple departments and disconnected 2 times. Finally told me I was in collections! Had no idea. Company sent me to collections because I was late 3 month of payments and I had no idea. Never called or emailed. Claimed they mailed a letter I did not receive. Then tole me I owed {$500.00} on a {$6000.00} cred balance to be removed from collections!!! I have a {$10000.00}. card I pay {$250.00} on. {$500.00} payment is outrageous. Asked to have my billing cycle start over so I can start making payments regularly because I was not aware I was 2 months behind as I never received notice. Then in formed me I had a retail card and was being charged multiple minimums at once?! Tried o call back again to resolve because I was working and person from collections was condescending while I was trying to restart cycle. Called another time ... woman was very nice but collections never answered and on hold over 20 minutes. She told me to call another time. Now I have negative marks on my credit due to them and this scam card and no resolution with their sending me to collections in 2 months without warning.
Consumer complaint received 2023-04-10
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall 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 of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These following accounts are fraudulent and need to be blocked and deleted.. 

XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : 66 {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!!

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code
Consumer complaint received 2023-08-14
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. (OH)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-15
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc the inaccurate accounts caused the FTC and FCRA violations see attachments XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. {$330.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute
Consumer complaint received 2019-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC (FL)

Saw on my credit report that there is a collection for {$970.00} but I don't know what it is for since I did not incur this debt. The first collection company said they closed the account and returned the account to their client XXXX XXXX XXXX XXXX XXXX So what does that mean? It is not my debt.
Consumer complaint received 2019-06-26
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. (TX)

AS STATED ON MY PREVIOUS COMPLAINT, EXPERIAN REFUSES TO HANDLE MY COMPLAINT AND UPDATES WITH THE FALLOWING " Thank you for submitting your complaint on XX/XX/2019, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. Unfortunately, at this time, we are unable to process your disputes, as they are not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute. We are in the process of mailing you a current copy of your personal credit report for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. In order to properly address your concerns, please contact Experian directly with your specific disputes, along with the names and/or account numbers of the items being disputed, and we will proceed accordingly. '' i WILL GO AHEAD AND ATTACH DISPUTE HERE SO WE CAN GET TO THE BOTTOM OF THIS
Consumer complaint received 2019-06-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/XXXX, I paid Chrysler capital {$27000.00} and paid off My XXXX XXXX 2017. Since then even though I called and requested them to release my title, they didn't send me. 
As a result I am unable to Sign a contract with XXXX  XXXX. XXXX XXXX was interested to give me Bussienss. 
Chrysler Capital is not bothered at all to send me my title which I have right to have it. I need my title ASAP. 
thank you very much XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: LCS FINANCIAL SERVICES CORPORATION (NY)

I am the co-signer of some private student loans that my daughter had defaulted on back in XXXX. In XXXX I was notified by a collection agency that they would start proceedings to take my house if I did not start paying on the loans. My daughter was in the process of legal proceedings at the time which were going to result in state prison time so I set up a repayment plan with the collection company immediately. Since XXXX of XXXX either myself and then later my daughter have consistently made monthly payments to this collection agency for the amount agreed upon. At the time the collection agency took over the loan we owed them approximately {$24000.00}. Over the last 11 1/2 years we have paid them approximately {$35000.00}. The collection agency states we still owe them approximately {$13000.00}. We have never received documentation from the collection agency what the monthly interest rate and collection fees would be. This past XXXX they sent correspondence for two of the six accounts on what amount has gone onto principle towards the balance for those two accounts. We have received nothing about the other four accounts. For the two accounts they did send documentation for the following amounts were given -- opening balance on account XXXX, current balance on account XXXX and amount paid since XXXX on account XXXX. The other account had an opening balance of XXXX, current balance due of XXXX and amount paid since XXXX XXXX. If the other four accounts have similar scenarios how are we to ever get these accounts paid? At what point does it become extortion for these collection agencies to continue to pile on such exorbitant fees and interest year after year. When we make contact with the collection company they tell use we can send them a " pay off amount '' that is a huge lump sum, but without that there is nothing else they can do for us. By not providing us with the proper documentation of what their interest rate and collection fees would be are they in violation of our rights? Why have they not provided us with regular documentation of the accounts and why did they send us only information on two of the six accounts? Why is there not some type of amortization table provided by them since the beginning when we set up payments so we would know when the debt would be completely paid?
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (GA)

I have a line of credit from Td bank from XXXX XXXX. My credit limit was XXXX  and I owe {$900.00}. I currently not working do to Covid 19. I have been making payments. Them i made a payment for {$400.00} which left a balance of {$400.00}. After that payment was received they cut my balance to {$400.00} and they started charging fees late fees and over the limit fees. I called customer service and I waited for 3 hours and still didn't get to talk to anyone. I told a manager would call me back. Its been three weeks and still haven't spoken to one. They are aggressively reporting this to my credit report.
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc. (TX)

The following company has listed a debt on my credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. Further as is required by the FDCPA this organization never sent me proper notice such allegations of owing a debt were being claimed much less an opportunity to remedy the issue with them where I would have requested a valid proof of claim and notarized affidavit swearing to the fact that this company and I ever met or agreed to do business or that I ever acknowledged an alleged debts was owed by me to this unknown party known by me only according to my credit reports as HAUGE ASSOCIATES Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : XXXX/XXXX XXXX  Original Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$290.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$420.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes - reinvestigation in progress, Consumer disputes this account information This is fraud as no offer of contract was ever presented nor considered or accepted by me and no equal value was ever exchanged by this organization to me warranting performance in the form of payment of a contact that has never existed between this party and I.