davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-13
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. (TX)

This is XXXX XXXX XXXX please 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 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX experian and XXXX are continuing to report a account on my consumer report that does not have the correct name. the name credit control has on the documents they sent says the last name is XXXX. my last name is not XXXX, it is XXXX. I have been in correspondence with the debt collector credit control putting them on notice of this error and they continue to furnish this account to the 3 bureaus. I also attached a updated copy of my XXXX  credit report dated XX/XX/2022 showing you that credit control recently reported to the 3 bureaus AFTER I had put them on notice and also a copy of my experian results saying this account remained on my consumer report. I have already put credit control on notice, put the 3 bureaus on notice and I have already submitted a complaint against credit control. I have sent the 3 bureaus proof of this error and they continue to be in non compliance under fcra. credit control is violating the fdcpa. XXXX experian and XXXX are violating the fcra and all agencies are violating my right to privacy,.
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I was NOT informed of my Right to Rescission. So I was paying my bills and then learned that I could endorse them with the money order sent through the money order instrument that they call the " statement '' They sent me a bill every month on the XXXX. I sent my endorsement XXXX XXXX. 2022 and they received it per certified mail XX/XX/2022 for the amount of {XXXX}, with an affidavit of truth. 

They chose not to accept my this form of tender even though I told them that per UCC 3-603/3-111 that I accepted their offer in the amount given and then the next payment, they denied my tender even though I put " without recourse ''. 

I have now sent them my right to rescind and an affidavit of truth, notarized, and have demanded that they give me back what I gave them when I opened up a consumer credit transaction and they took XXXX from my consumer credit account. They also gladly took a down payment of my car and gave me {XXXX} " cash '' which I have also asked for that back. I sent the right of rescission letter XX/XX/2022 and have given TOYOTA MOTOR CREDIT CORPORATION 20 days from when they receive my letter, to send me a check or it will result in civil liability for fraud Pursuant to XXXX5 U.S Code 1640.
Consumer complaint received 2023-06-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - This account has never been verified, I don? t recall having late payment on this specific account the Status Shown as Inaccurate it shouldn? t be Derogatory Only XXXX was reporting inaccurate information please update the billing error update as agreed XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - Did not consent to unauthorized inquiry- I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Consumer complaint received 2022-04-15
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. (VA)

On XX/XX/XXXX my credit score dropped XXXX points. I was originally told online through XXXX XXXX it was due to a change in income. I have not changed jobs for over 16 years. My income has gradually increased. I reached out to TransUnion on XX/XX/XXXX and talked to XXXX. She told me it was due to one account being over a few dollars but the data was outdated. She also said it was because I opened another credit card. I was told opening a credit card and keeping the balance low would help my credit. I monitor my credit score through all three major credit bureaus. TransUnion is the only bureau to drop my score so drastically in one month. The other bureaus dropped my score by one or two points when I opened the new account. This makes sense since the account is so new. Dropping a credit score XXXX points would take years to repair. I believe this is an error in their system.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IL)

The company Radius Global Solutions calls and harasses me regularly regarding a debt which is not in my name and not in the name of anyone I know. They call repeatedly from ( XXXX ) XXXX. I informed the company on XX/XX/2022 and XX/XX/2022 that I have no information about the debt they are trying to collect and it is not a debt in my name. I asked them to stop contacting me. Since XX/XX/2022 Radius Global Solutions has called me 24 times.
Consumer complaint received 2022-02-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (NM)

My credit reports with the three major credit bureaus contain accounts that should not be listed according to the wording and intent of 42 USC 407, which reads : 407. Assignment of benefits ( a ) In general The right of any person to any future payment under this subchapter shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. 
( b ) Amendment of section No other provision of law, enacted before, on, or after April 20, 1983, may be construed to limit, supersede, or otherwise modify the provisions of this section except to the extent that it does so by express reference to this section. 
( c ) Withholding of taxes Nothing in this section shall be construed to prohibit withholding taxes from any benefit under this subchapter, if such withholding is done pursuant to a request made in accordance with section 3402 ( p ) ( 1 ) of the Internal Revenue Code of 1986 by the person entitled to such benefit or such persons representative payee. 
( Aug. 14, 1935, ch. 531, title II, 207, 49 Stat. 624 ; Aug. 10, 1939, ch. 666, title II, 201, 53 Stat. 1362, 1372 ; Pub. L. 9821, title III, 335 ( a ), Apr. 20, 1983, 97 Stat. 130 ; Pub. L. 105277, div. J, title IV, 4005 ( a ), Oct. 21, 1998, 112 Stat. 2681911. ) None of my accounts pertains to section C, withholding of taxes. Therefore, everything derogatory about my credit that is reported by any agency other than various student loan lenders should be removed, as they are expressly not " assignable, at law or in equity '' and may not " be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' These creditors include : JEFFERSON CAPITAL SYSTEM FOR {$3900.00} XXXX XXXX FOR {$540.00} XXXX XXXX  FOR {$100.00}, {$88.00}, {$81.00} AND {$65.00} XXXX XXXX  FOR {$1000.00} XXXX XXXX XXXX FOR {$3100.00} XXXX/XXXX XXXX FOR {$1000.00} Also, ALL of my federal student loans have been dismissed by a XXXX and XXXX XXXX  ( XXXX ) waiver, bu several still show as actively unpaid, including one last reported XX/XX/2019 for {$3900.00} ; one last reported XX/XX/2019 for {$26000.00} and one last reported XX/XX/2019 for {$270.00}. The others correctly reflect the XX/XX/XXXX. 

Finally, one last reported by XXXX XXXX XXXX on XX/XX/2019 for {$5000.00} has been on appeal in various court 's since before it was first reported, the most current being the New Mexico Supreme Court, Case No. XX/XX/3569, which is in abeyance pending the decision of another appellant 's similar appeal. As my case has been and remains on appeal, this entry should be deleted entirely.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc. (CA)

I had an account with XXXX XXXX  card. I contacted and tried to dispute with XXXX  several times and even asked for a payment update because it showed different amounts on the 3 credit bureaus. I called them to close the account and was told I would have to make an payment to close it which I was okay doing but when it got time to make the payment the representative told me oh your case was transferred to another company and when the other company got on the phone they asked for my information in which I was sure they would've had it. It was XXXX XXXX which is a collection agency. I never received anything from XXXX XXXX saying they are the ones in charge of my collection or anything. I wouldn't even had known my case was transferred to them had I not tried to make a payment. I have tried many times to dispute this account because it has been very detrimental to me and my well-being XXXX as it has made my credit drop. 15 U.S.C 1681 section 602.A states I have the right to privacy and I feel my privacy was evaded by XXXX transferring my account without my knowledge then posting on my credit report. XXXX XXXX is trying to collect the debt but XXXX XXXX is reporting on my credit. Its too many discrepancies.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I have had no other option but to dispute the account below as their are many violations and would like it reviewed and deleted... 


Account : : : : XXXX XXXX XXXX XXXX  Amount : : : : {$7400.00} As per law 15 USC 1681 e they never furnish me a 1099 C FORM! as they were suppose to! I was suppose to file for ordinary income an they have violated my rights. 

Also as per my rights I should be aloud to see my full account number on my file an its not reporting properly. As per its not reporting my first date and when the collection was picked up. Its showing no activity whats so ever except its a charge off an a amount. I am not even able to reach out because no numbers are provided! 

Also they had a tax break as its a charge off so my file shouldn't be furnishing a amount to a debt that no longer is due to it being paid. I would like this to be deleted as soon as possible please.
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc. (VA)

Receivable management systems have been trying to collect A {$470.00} debt from patient first from four years ago maybe like 4 1/2 years ago they have been destroying my credit they have been reporting two times a week instead of once a month as they should this is ridiculous at this point Id rather them take me to court and try to sue me for it because if I show the judge what they doing is illegal I have tried to dispute it Ive asked them to remove it its past the time it should be on my credit they dont care they do what they want to do I feel hopeless and I really need the debt removed off my credit What happened is I felt stick at work for years ago I went to the doctors at patient first they check your insurance to see if its active it was going to expire two days after that visit they said it was accurate the doctor saw me they must have tried to charge the insurance After the two day market and because that is expired and they couldnt get their money this is not my fault and they have been harassing me
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: Westlake Services, LLC (TX)

I submitted a request for account to be removed bc the account in question was on a vehicle that my ex wife obtained through divorce and defaulted on Loan. The payment info was updated but account was not removed. I then contacted the company about 4 months later on their credit dispute email and didn't receive any correspondence from the creditor.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/2019 I reached to XXXX XXXX XXXX about my American Express card. They said I owned XXXX we settled the account at XXXX. One payment on XX/XX/XXXX of XXXX, a second payment on XX/XX/XXXX of {$1000.00}, and third and final payment of {$1000.00} on XX/XX/XXXX. They said they would send me a settlement letter explaining the deal we had just agreed on. I spoke to XXXX and his manager. Today XX/XX/XXXX I called back because I hadnt received the settlement letter even though I had already made the first payment. XXXX told me there was no settlement and that I now owed added interest on the account which totaled around {$240.00}. They took my inicial payment on the settlement didnt send me a settlement letter and are now charging me interest. According to the XXXX there was no settlement done and I still owe the full amount. I feel ripped off of my rights as a consumer and as a citizen. They reported the wrong amount to the credit bureaus. Even though I made a {$450.00} dollar payment on the settlement.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

In early XX/XX/2022, I reported to SunTrust Bank ( now Truist ) that, on XX/XX/2022, it had cashed a check drawn on my account that was clearly a forgery. 
I had written a {$100.00} check to a charity ( XXXX XXXX Fire Department ) and mailed it during the week of XX/XX/XXXX. The check was somehow stolen from the US Postal Service, and then the payee and the amount was changed and raised to {$7500.00}. The check cleared and SunTrust debited my account. 
The payee on the forged check was a person unknown to me ( XXXX XXXX ) or ( XXXX XXXX ). 
XXXX was that the back of the check bore no resemblance to a SunTrust check. Moreover, the check appeared to have been cashed using a check cashing service. It may have not been financial service located in the United States.

The SunTrust bank manager agreed that the back of the check clearly was unlike the checks the bank issues to depositors and that the check did not appear to have been cashed at a bank. The SunTrust manager said he would report the matter immediately and the bank would conduct and investigation, which would involve the US Postal Service and other relevant authorities.

However, more than three months have passed and, despite numerous efforts on my part to request information and updates on the fraud, the response from SunTrust, including the Maryland area regional manager, is that the investigation is pending. 
Up to today, the bank has not restored the stolen funds, asserting that there have been so many such cases in recent months that the fraud investigators are overwhelmed and under staffed. 
It is my view that the banking system 's automated check clearance process should have caught this fraud, particularly when a check cashing service is being used rather than an established bank. 
SunTrust clearly has recourse to the parties involved in the fraud and can demand financial restitution from them. Moreover, the automated check clearance process will inevitably invite fraudulent transactions. The costs of such fraud should clearly be borne by the banks themselves ( and the banking system ) and this should be seen as a normal cost of doing business. 
I would appreciate your views of this matter and next steps that can be taken.
Consumer complaint received 2018-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Adler Wallach & Associates, Inc. (FL)

Theres a collection on my credit report, the balance was paid in full by me to XXXX  office and was an insurance mistake, Im requesting this derogatory mark to be deleted asap because it wasn't my fault. I got a copy of receipt of the amount that was paid in full.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been talking to Transunion for 2 weeks now about my credit file being suppressed and its holding me back from starting my job that I desperately need. They refuse to tell you anything over the phone. Ive sent in proof of my identity with a cover letter like they asked for, and still nothing. I never asked for my report to be suppressed and it should be a simple matter of handling this over the phone.

Worst experience dealing with a company that Ive had so far. 
Also when you call in, each employee tells you something different.
Consumer complaint received 2022-04-15
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. (TX)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.