davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-09-24
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: TD BANK US HOLDING COMPANY (TX)

I just received my credit report and I see an inquire dated XX/XX/2020 by your company. 
To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. If this matter is not fix immediately, then I will pursue legal actions. 

Please immediately delete this inquire from my credit reports. 


Please see the inquire detail information listed below : XX/XX/2020 TD AUTO FIN XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2019-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

Collection account from CFSI Commonwealth Financial Systems for {$120.00} listed on XXXX report as original source XXXX XXXX XXXX XXXX. Reported XXXX. Disputed with XXXX to verify that I actually own this debt. Have disputed in the past other reporting agencies removed due to cant verify that I owe this debt but XXXX is still continuing to report it although debt has never been verified with original sources of information reported with the original contract or service agreement with my signature.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please fnd the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-06-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On Saturday XX/XX/2019 and today XX/XX/XXXX I have attempted to transfer funds to my navy federal loan and my navy federal personal line of credit but I have been unable to do so because their online site and their mobile app are both down when visiting the online site there is a notification of the outage being planned but you will only see this after you attempt to log in. There were no indications of a planned outage at their ATM, via a email or text and nothing shown on their website or app in advance of this outage. Customers could have planned in advance for banking transactions if they had known of this " planned outage ''. For me this is causing a tremendous issue because I have a loan payment and A checking line of credit line of credit that is due on the XXXX. In my current situation if I do not have it posted to my account before the XXXX my payment will be reported XXXX days late. This outage should have been something that customers were notified of in advance again so that they could prepare in advance, additionally this outage seems to have been planned on a weekend preceding the due date of thousands of customers credit card accounts, personal line of credit, checking lines of credit, and loan due dates which would be the date of the XXXX.
Consumer complaint received 2019-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

OnXX/XX/2019 I was hand delivered a check in the amount of XXXX from XXXX XXXX. On XX/XX/2019 I signed the check and endorsed it to XXXX XXXX so he could deposit it into our joint account. At about XXXX XXXX went into a wells Fargo bank and deposited the check into our savings accounts. The teller on duty said he had to get a manager to verify that the check was good. The manager went into the back office and made a phone call to make sure the check was good. After doing so the manager came back and said everything looks good the money cleared and will be in your account on the following TuesdayXX/XX/2019. ( I have pictures of the check and all recipes ) On Wednesday night XX/XX/2019I looked into my savings account and there was a pending refund return on my account. On XX/XX/2019 the funds were posted return unpaid. I was not notified of any transactions from my account and when I called the bank to verify the problem the tellers accused me of stealing and claimed it wasn't my money. I have sence tried to get the money returned to me and have got nowhere. One of the banks people from the fraud department has called me asking me why someone would just give me a check for that amount. Said he was investigating the case and continued to accuse me of forging a check. He told me that he had been discussing the case with XXXX XXXX and that XXXX continued to say he only wrote the check out for XXXX which is not the truth. The Man continues to accuse me and XXXX of doing something to the check. I told him it was none of his business why someone gave me a check for the amount in question but if he did his research he would see that the check was not altered in any way. The Man ( I'm unsure of his name ) then told me that he would be calling XXXX XXXX back to talk to him more about the case and that I would might have to close my account because of the situation. One week later a bank associate called me to tell me that my account was getting closed and could not give me any reason for why that was happening. I am seeking help to get my money returned to me. I didn't think a bank could take money out of someone's personal savings account without notice or after it had been cleared. I also am going to be going after XXXX XXXX Employer from XXXX XXXX XXXX for making a false claim and taking back honest money.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (OH)

Enhanced Recovery Company keeps re-aging debt. I had a sprint account that was closed in XX/XX/XXXX. Enhanced Recovery Company had the debt for a few years and has now " re-opened '' it on my credit report stating XXXX is 5 months ago ( XX/XX/XXXX ). I've disputed it and XXXX has stated that the debt is correct.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (RI)

XXXX XXXX offered my a couple of credit cards, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX, every month they run my credit score, they lower my limit, and now they have closed 2 of my cards. Why? i have always paid on time and more whats due. They are the ones messing with my credit score. When they lower the limit it makes me overlimit.
Consumer complaint received 2019-06-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duvera Billing Services, LLC (DE)

I had to get some work done on my car roughly around XX/XX/XXXX. At the time I could not afford the total amount of {$600.00}. 
The gentleman at the register at XXXX XXXX XXXX XXXX suggested I finance the amount of the repairs, which I agreed to and signed. 
A couple of days later I receive a call from XXXX XXXX saying that they had purchased the contract from the XXXX XXXX XXXX XXXX and they would be collecting the payments. 
XXXX XXXX and I discussed the terms of the agreement, which we agreed to. We proceeded to set up EFTs through my XXXX XXXX account which I suggested. 
A few day later I received a welcome letter from XXXX XXXX, reiterating what we had discussed a few days earlier. ( See Welcome Letter Attached. ) The problem happened after they attempted to continue withdrawing funds from my account via EFTs from my XXXX Bank Account. 
I call on XX/XX/XXXX and spoke with XXXX asking why they were attempting to withdraw money from my account after the agreement was fulfilled? ( See EFTs withdrawn from XXXX XXXX Attached ) According to XXXX that was not the contractual agreement and I owed roughly another {$600.00} plus, on top of what we agreed to verbally, and in writing referencing the terms via the Welcome Letter. 
XXXX XXXXXXXX has reported this on my credit report as a collection account. Even as per the agreement I fulfilled my financial obligation for services rendered. 
Also, they have consistently called and ask me to make some kind of payment arraignment for the remaining balance. 
Which I have painstakingly told them the obligation has been fulfilled and I have the letter, and withdrawals to confirm I owe nothing.
Consumer complaint received 2019-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (TN)

I had a man call me on my business cell phone and asked if my first and last name were blank & blank and I said yes because it was my name. 

He began to get very aggressive with me and screaming at me. He kept telling me I had borrowed money from him and never paid it back. He said that he would get the monies and fees for me making him track me down and refusing to pay. I told him I have never borrowed money from anyone that I have not paid back. 

Yes, I had a rough divorce and was left with insurmountable debt ( XXXX+ ) but I still worked with every company to either pay them off per the agreed upon timeframe. I paid almost XXXX of it off. It will soon be 4 years since the divorce and I am finishing up the last year on the balance of almost XXXX. 

I would not ignore any debt and Im sure any of my creditors will tell you that I am the one that tracked them down after the divorce to pay them back. 

I had used all of my savings paying almost XXXX of debt off. I then called the remanding companies and worked out payment plans. 

I dont owe anyone nor have I ever heard of this man or what he says I borrowed from him. I would have never borrowed the amount of money he said I did. I had money and no need to borrow what I did make in 15 minutes. 

I had someone that had everything in my name and we either had to file bankruptcy or I had to pay it. I agreed to pay it and I have paid off the majority of it with 14 months remaining. 

This man wouldnt tell me his name and said I had no education and that he could tell it was me because I was uneducated amongst many other things I would never ever like to hear again. I get notified over a year later that he has put it on my credit file but he has increased it too. 

I ask for this man to tell me who he is and why he has preyed on me and I would like to sign an affidavit with the DA for criminal distortion of funds.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Delinquent account — 
Company: Stenger & Stenger, P.C (GA)

15 years ago I opened a low line of credit credit card with XXXX XXXX. Due to unemployment and medical bills from a very sick baby this card ended up in default. It has been over 10 years and now Stenger and Stenger are threatening garnishment for a debt that was written off. The have been renlentless with a debt that is past the SOL.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Dear Sir/Madam, I am writing to inform you that you have violated provisions of the Fair Credit Reporting Act ( FCRA ) in your reporting of inaccurate eviction information on my consumer file after I disputed this information.

Specifically, you failed to delete inaccurate past due amounts related to a 2018 eviction on my report as required by FCRA Section 611 ( a ) ( 5 ) ( A ). This section states that if a reinvestigation of disputed information finds the information to be inaccurate or unverifiable, you must " promptly delete that item from the file of the consumer '' By simply modifying the incorrect past due amounts and not removing the eviction information on my report, you violated the FCRAs requirements. Furnishers of information have a duty under Section 623 ( a ) ( 1 ) ( A ) to provide accurate consumer data. And none of the FCRAs exceptions allowing modified but undeleted information apply here, since the core issue is that the past due amounts themselves were inaccurate.

I previously disputed this eviction record information based on these inaccuracies. Now I am demanding that you immediately delete this eviction information altogether to comply with FCRA Section 611s obligations for consumer reporting agencies. If you fail to do so, I will be forced to exercise my rights under Sections 616 and 617 of the Fair Credit Reporting Act to pursue legal damages against you for non-compliance with the statute.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (RI)

OK so out of nowhere, I started receiving letters about debts that were owed. 
On XX/XX/XXXX, I received two separate letters from Transworld Systems with an attempt to collect a debt for $ XXXX. ** and then the other for $ XXXX. ** with outrageous late fees that were included with both amounts stated above. 

The first letter stated as of XXXX XXXX I owed $ XXXX. ** and was charged interest of $ XXXX. **, stating the total amount due was $ XXXX. ** The second letter stated as of XX/XX/XXXX, I owed $ XXXX. ** and was charged interest of $ XXXX. **, stating the total amount due was $ XXXX. ** I contacted them because I thought it was from a doctor who got shut down by the Feds for fraudulent insurance billing, but then I figured out it had nothing to do with this doctor or the practice that was shut down. The only thing they told me about the dept was that it was for services on XXXX which would be impossible for reasons I can prove. Also, I have never heard of this company, nor have I ever been sent a regular bill from them either. So I have no idea where these depts are from, nor do they belong to me. 

When speaking to the person on the phone, they were sarcastic and kept muting me, so it seemed no one was there or listening to what I had to say. They were unprofessional, making me think this was a scam or someone phishing for information. I pay my bills and pay them on time. So suddenly, getting two debt collector letters stating I owe some company I had never heard of over $ XXXX dollars seems like a scam. Then let 's talk about outrageous late fees on both statements ; I had never received any type of bill before this for this company, so why is this debit collector telling me I have a late fee of $ XXXX. ** with NO explanation of why there is late fee 's and where this debt is from other than a company I have never heard from. These letters ruined my day and caused me great stress and XXXX, and then when I called, they gave me no evidence or info other than services on XXXX XXXX. 

I did XXXX this company and they have been sued many times for I feel my privacy and personal information were violated.
Consumer complaint received 2017-01-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In XXXX of 2014 I started a new job and was given a paper check for my first payday. I deposited this into my XXXX XXXX bank account and was told the items would be available the next business day. I wrote a check to deposit funds off of this account to transfer to my Bank of America Account. XXXX put a delayed Reg CC hold on the paycheck and bounced the check I had written to the Bank of America account, causing the bank of America account to go negative. Bank of America closed my account and reported me for fraud, even though I have since paid back any amounts owed, and supplied them with documentation that the funds were there. Bank of America refuses to work with me to clear my name or allow me to open another account. This has lead to issues opening new bank accounts as well. I would like all negative information on file with bank of america removed as the funds were there to cover this transaction.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 2019-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

These is a XXXX bill located on the profile under XXXX XXXX in which it has stopped me from obtaining future business credit for the company.
Consumer complaint received 2019-06-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (NV)

Notice to principal is notice to agent and notice to agent is notice to principal. This dispute is being executed on Santander as they have breached the contract without cause, citing their inability to verify XXXX XXXX Social Security Number. Santander verified XXXX XXXX 's Social Security Number at the signing of the contract and credit approval however they alledge that they are now unable to verify the Social Security Number and they want the vehicle returned which would breach the contract. 
I put {$1000.00} down and signed contract and pulled off with vehicle on XX/XX/2019 I even spoke with finance company a few days later confirming everything finance company is Santander and place I purchased car is XXXX   XXXX  XXXX XXXX
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a closed account with XXXX XXXX XXXX for a auto loan taken out in XX/XX/2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ 8000+ due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

My old XXXX XXXX were sealed in a court of law however some companies still have old records and release them without permission I have reached out to companies and asked to have my information removed from there data base but I just ran my XXXX report and my old court records came up I have also asked XXXX to remove these as well but yet has not happen
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I made my mortgage payment on time for XX/XX/2019 but Ive been reported to the credit bureau because the company failed to include an {$8.00} increase due to my interest rate fluctuations. However I continue to have this issue often whenever my rate changes. Whenever I make a payment I never state the amount but when asked I always state to make the regular payment which clearly means what ever is due. The last time I had this issue I was told that the system sometimes doesnt have the same account information before if the payment was made on the weekend and my argument was thats a company problem.XXXX XXXX doesnt allow you to speak to anyone unless you fax which makes it very difficult to resolve a problem immediately. XXXX  XXXX XXXX never treated me like this but this new trade is causing me many unnecessary stress. I pride myself in maintaining a good payment history and credit report. Please help!
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IN)

navient would contact me and my parents repeatedly trying to almost force us to pay on loans when i am not in a financial place where that is not possible i am barley able to keep head above water. my education has not helped me in the pursuit of financial gain at all and it is hard to keep optimistic when you are be hounded for the money that was given to help advance my career and therefore my wallet ... and the manner to which navient attempts to collect is almost mob like so many calls and does not matter what is noted in account the calls and the their way of talking to customers is ridiculous and unacceptable!!