davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JH Portfolio Debt Equities, LLC (CA)

The beginning of the loan was easy I speak better English than the rest if my household butntines became tough and I was forced to work more than 17 hours a day and that's when the threatening calls came in. They began to threaten my family with legal actions and my wife was told I could end up in jail for not paying the amount set by XXXX XXXX XXXX. 

When I asked for proof of the debt I was ignored and told to work harder and to speak better English. 

More importantly when my wife attempted to pay the debt there was not a XXXX version on the site allowing her to understand what Honda financial services would ask her to do to complete payment. Second and not less important the letters that came from Honda where mornin XXXX and my English was not as great as it is now. Honda should not be allowed to sell loans and then resell the debt while taking advantage of a clear misconduct and ingornace of the Fair Lending Act and DMV REGULATIONS.
Consumer complaint received 2019-07-25
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: AES/PHEAA (CA)

For the part 5 years I have been paying $ XXXX/ month toward my student loan. After seeing late payments on my credit history and calling student loan services, I discovered that someone else 's information was in my account information and that my {$39.00} each month was not going toward my loan.
Consumer complaint received 2019-07-25
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)

I had my ID stolen in XXXX OHIO and I have several accounts and address on my credit report that are not mine. I was in the hospital with XXXX XXXX I was XXXX for two weeks in a XXXX and was unable to attend to my personal affairs. Someone had access my ID and SS and used my personal credit to open up accounts. Please remove the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT PLEASE DELETE : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AMERICAN HONDA FINANCE CORP (CA)

The beginning of the loan was easy I speak better English than the rest if my household butntines became tough and I was forced to work more than 17 hours a day and that's when the threatening calls came in. They began to threaten my family with legal actions and my wife was told I could end up in jail for not paying the amount set by XXXX XXXX XXXX. 

When I asked for proof of the debt I was ignored and told to work harder and to speak better English. 

More importantly when my wife attempted to pay the debt there was not a XXXX  version on the site allowing her to understand what Honda financial services would ask her to do to complete payment. Second and not less important the letters that came from Honda where mornin XXXX and my English was not as great as it is now. Honda should not be allowed to sell loans and then resell the debt while taking advantage of a clear misconduct and ingornace of the Fair Lending Act and DMV REGULATIONS.
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (CO)

This company engaged in predatory practices regarding my loan. I was told that my loan was for 0 % interest for the life of the loan. It states that in the loan agreement and doesn't state any other interest rate anywhere within the agreement. If you read very carefully, they state that another unknown, unmentioned interest rate will be applied after 6 months. I understand that 0 % interest loans typically have a payment plan in which they will charge back interest on the loan, but this loan didn't mention the amount of interest and was intentionally vague. 

In my view, I'm not a lawyer, so I am not certain what the law requires for a loan agreement, what must be disclosed or not disclosed, but I feel that this company is intentionally obfuscating this information in a predatory way. 

Additionally, speaking to a representative, I was told that the interest rate would remain 0 % for the life of the loan just as the agreement said. I specifically asked the representative if the interest rate ever increased after any period and she assured me that it didn't. I will pay the loan before the date that is required, but if this illegal as it should be, I'd like this company to no longer be able to continue this predatory practice.
Consumer complaint received 2022-12-02
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. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Balance : {$18000.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXXnquiry : XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX -- - AFFIDAVIT I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, and reachable at XXXX, do hereby declare and affirm the following under the penalties of perjury : XXXX. I am the affiant in this matter and have personal knowledge of the facts stated herein. 

XXXX. I assert that fraudulent XXXX XXXX XXXX and XXXX accounts have been erroneously linked to my credit profile, and I categorically deny authorizing or owning any such accounts. 

XXXX. I have diligently pursued resolution through official channels and have filed an FTC Identity Theft complaint under reference # XXXX. Additionally, I have submitted numerous complaints to the Consumer Financial Protection Bureau ( CFPB ), all of which confirm my non-authorization of the aforementioned accounts. 

XXXX. It is crucial to note that the said accounts, identified as XXXX XXXX # XXXX and # XXXX, were previously deleted from my credit profile, further supporting the acknowledgment of their fraudulent nature. 

In light of the above, I hereby affirm the veracity of the contents of this affidavit to the best of my knowledge and belief. 

Executed on this XXXX day of XXXX, 2024. 

__________________________ XXXX XXXX -- - Both accounts were previously deleted by XXXX, then reappeared. 
XXXX  XXXX Dispute # XXXX / XXXX. 
These are not my accounts please re-delete.
Consumer complaint received 2019-07-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

My loan was reaffirmed XX/XX/XXXX and mortgage company is trying to submit my default payments from XXXX for the purpose of getting credit agencies to not reinsert my loan that is open and current. 

The Fair Credit Reporting Act requires creditors to furnish complete and accurate credit information to the credit reporting agencies. If you have reaffirmed a debt and you are making timely payments to your creditor, the creditor has an obligation to accurately report your payment history to the credit bureaus. If they fail to do so, you are potentially entitled to recover statutory damages, as well as any actual damages you may have sustained as a result of diminished credit score.
Consumer complaint received 2019-07-25
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 — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (NC)

My loan was reaffirmed XX/XX/XXXX2018 and mortgage company is trying to submit my default payments from XXXX for the purpose of getting credit agencies to not reinsert my loan that is open and current. 

The Fair Credit Reporting Act requires creditors to furnish complete and accurate credit information to the credit reporting agencies. If you have reaffirmed a debt and you are making timely payments to your creditor, the creditor has an obligation to accurately report your payment history to the credit bureaus. If they fail to do so, you are potentially entitled to recover statutory damages, as well as any actual damages you may have sustained as a result of diminished credit score.
Consumer complaint received 2019-07-25
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. (KS)

I did not know i was breached by Equifax. They never sent me anything and now i am having to go through my credit information and call my banks and credit and car companies to see if anything is affected. I have credit monitoring and they failed to tell me this when this took place.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

After numerous attempts to have these fraudulent names and addresses removed from my credit reports and request only name reporting as XXXX XXXX XXXX on my credit report as well as the only address reporting on my credit report as XXXX XXXX XXXX XXXX, XXXX NC XXXX The credit bureaus refuse to remove other fraudulent names and addresses from my credit reports
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (AR)

In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from Equifax with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged, long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TD BANK US HOLDING COMPANY (CA)

Initial contact in XXXX, i was contacted about this unknown debt. I said i need documentation and everything in email. The man got upset and started yelling that they will proceed with further actions if i dont pay now. 

XXXX, They assigned different associate to my account. She continue to call leave disturbing vmail XXXX XXXX. She says she has my information and will contact where i work to levy my paycheck. Again i asked for documentation about this account and they continue to ignore my request. My only form of contact is email i said since they dont have phone manners. 

They attempt to levy my account every year. I do not have money and they dont seem to have my correct information to serve me. Because that account was not my doing. This account was from identity theft and now i am haunted by this horrible law firm.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (KY)

On XX/XX/18, I attempted to make a mobile deposit in my checking account with XXXX. Because the amount exceeded the mobile deposit limit by {$340.00}, I called support and asked for an increase. They told me that they did not provide increases above the amount I had. They suggested I cash the check elsewhere. The mobile app gave instructions for deposit by mail. It listed two addresses, one was a PO BOX , and the other was for overnight delivery. I endorsed the check and mailed it out two-day priority mail to the overnight address. 

Using the tracking number, I discovered it was not delivered until Monday, rather than Friday as promised. On the app, the instructions for deposit by mail clearly state '' Once your check has been received, up to {$200.00} of your check deposit funds will generally be available within one business day. The remainder will generally be available after another business day. Check deposit amounts greater than {$5000.00} may be held for an extended period. '' So, I called on Tuesday, XX/XX/18, which was one business day after the date it was delivered since there was no indication that the check had been received. The agent I spoke with told me that she could not confirm receipt of the deposit, and she told me she could give me no time frame for how long it would take and that they would know it was deposited when it showed on my account. I asked could they not at least confirm it was received at the correct address. She told me that she could not. I asked what remedy I had and she assured me that it would be processed soon. 

I called today, XX/XX/18, a full two business days after they received it according to USPS, and the agent placed me on hold and told me that " in her experience, it can take three business days before it is processed or shown in the account. '' I asked could she not confirm it with the processing center that the check was received so I don't have to worry that it was delivered to the incorrect address. She told me that she " could not check with the processing center until 10 business days after the tracking number delivery date. '' So, I am going into XXXX without any access to my funds, and also without having any idea whether the check was received at the correct address. None of this information was available to me or I would not have deposited the check via mail. I expected to have access to part of the funds " one business day after received '' as their app stated. This is insane that they won't even check to make sure the check was received until 10 business days after delivery.
Consumer complaint received 2019-07-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My loan was reaffirmed XX/XX/XXXX and mortgage company is trying to submit my default payments from XXXX for the purpose of getting credit agencies to not reinsert my loan that is open and current. 

The Fair Credit Reporting Act requires creditors to furnish complete and accurate credit information to the credit reporting agencies. If you have reaffirmed a debt and you are making timely payments to your creditor, the creditor has an obligation to accurately report your payment history to the credit bureaus. If they fail to do so, you are potentially entitled to recover statutory damages, as well as any actual damages you may have sustained as a result of diminished credit score.
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC (LA)

I have mailed two certifed letters to Receivable Recovery Services , LLC requesting Validation of Debt and HIPAA authorization. RRS has responded to my letters twice but have failed to provide me with the requested information validating this debt. They have ignored my requests, yet this debt still shows on my credit report. I don't know how they are able to just ignore my request and violate the law as they have done. 
I have also sent a certified letter to XXXX, in which they stated they verified that this debt is mine and is being reported correctly, however during the verification process they still didn't send me anything with my signature to prove that they debt was mine. The debt is in the amount of {$190.00}. My questions to XXXX  are : Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.