davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you with a matter of utmost urgency and severity regarding the fraudulent accounts associated with your company. It has come to my attention that there are accounts linked to my name without my authorization or consent. This egregious violation of my privacy and trust can not and will not be tolerated. XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/2023, and XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I received a copy of my credit report and I have found the following items listed below to be in error : XXXX XXXX XXXX XX/XX/2022 {$29000.00} {$570.00} {$0.00} on XX/XX/2022. 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. If there is a billing error, how can a payment be late? As the original creditor, I never authorized or granted permission for this to be reported. But since this is reporting, you need to report the way I state it should be reported. These late payments must be removed. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. Remove all late payments from my consumer report effective immediately.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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 15USC 1681a ( dX ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.

need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. 
I UNDERSTAND THE COMPANY 'S RESPONSE TO
Consumer complaint received 2019-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC (CA)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only.

Thank you for your consideration in this matter.
Consumer complaint received 2022-04-09
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)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$320.00} XXXX XXXX XXXX : XXXX -- -> : {$330.00} GEORGIA XXXX XXXXXXXX : XXXX -- XXXX : {$3700.00} XXXX XXXX : XXXX -- > {$12000.00}
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

At this time, I am offering a settlement to the Capital One debt purchased by XXXX XXXX XXXX, XXXX in 2018. I lost thousands of dollars from the Covid-19 shut down, and I am just getting back to work. I ask XXXX XXXX XXXX, XXXX to accept as a one-time settlement {$1700.00} of the current balance of {$4400.00}. However, I want it stipulated that I believe Capital One Bank N.A. never gave a full contractual agreement of this debt in question, and that I could with the right lawyer end up with the debt being dismissed altogether. A purchased debt agreement can not be back-dated under any circumstances, and that would be within federal restrictions under the Fair Debt Collection Practices Act. However, if I receive a verbal acceptance of my settlement offer within a reasonable time period, I will waive any rights I maintain to legally challenge the validity of the XXXX XXXX XXXX, XXXX claim. My phone number is posted in this CFPB request to monitor XXXX XXXX XXXX adherence to FCRA and FDCPA requirements on the collection of debt, and the CFPB constant research into the voluminous fraudulent activity into what the Federal Trade Commission consider XXXX debt collections. 

XXXX XXXX
Consumer complaint received 2015-07-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation (CA)

QUALITY LOAN SERVICE CORP ( QLS ) BLATANTLY VIOLATES FEDERAL AND STATE STATUTES AS IT PURSUES ILLEGAL FORECLOSURE OF OUR HOME WITH ITS " SELF-EXECUTING MANUFACTURED DOCUMENTS '' ... PLEASE HELP!!! 

QLS, IN ITS XXXX XXXX, 2015 CORRESPONDENCE, VIA ITS PARENT COMPANY [ XXXX AND XXXX ] MAKES ITS OWN ADMISSION THAT THE NOTICE OF DEFAULT IT RECORDED AGAINST OUR HOME IS FRAUDULENT! ... AND GIVES EVIDENCE TO ITS CONTINUING BLATANT VIOLATIONS OF FDCPA STATUTES. 

PLEASE SEE ATTACHED DETAILS. 

THANK YOU FOR YOUR URGENT HELP!
Consumer complaint received 2019-03-13
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. (IN)

A collection from XXXX XXXX XXXX was added to my credit report around XX/XX/2019. On XX/XX/2019 I filed a complaint with the CFPB stating that the account was illegal, null, void and not collectible. XXXX XXXX XXXX stated that they would delete the collection from all 3 credit bureau reports. However, Im showing that this account has not been deleted.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is the 10th Time XXXX  XXXX " willfully and fraudulently '' reported credit card balance on the closing date XX/XX/2022. 

The balance is {$9.00} - NOT {$74.00} as of XX/XX/2022. ( See attached ).
Consumer complaint received 2022-04-09
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. (CA)

This is the 10th Time XXXX XXXX " willfully and fraudulently '' reported credit card balance on the closing date XX/XX/2022. 

The balance is {$9.00} - NOT {$74.00} as of XX/XX/2022. ( See attached ).
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am submitting another complaint because I am once again stating that I have sent multiples letters for half of a year requesting that the information be removed and updated. From XX/XX/XXXX until XX/XX/XXXX. The information has not been updated at all. And not has been updated. 

I have already sent multiple letters requesting the information to be removed and to be verified. And you ask me to continue to do it The response giving to me on XX/XX/XXXX was to re-submit disputes. The doesnt make sense to do that. My rights are being completely violated. I am not submitting anymore letters and I am seeking litigation if the information previously requested is updated and removed. 

XXXX XXXX XXXX is a resold debt from a different debt collector. And they are trying to collect a debt from XXXX, and on my XXXX Report, another debt collector is trying to collect on a debt from XXXX of the same account. Which is completely illegal. I pulled the information from the XXXX app and printed the reports. 

XXXX has no documentation saying that I have agreed to pay that debt they are collecting on the behalf of Apex Apartments. They will not provide information of registered agent of service, obligation of debt with my signature on it of agreeing to pay. 

Youre violating my rights and the FCRA federal law.
Consumer complaint received 2021-08-28
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: FIRST NATIONAL BANK OF OMAHA (NV)

yes, I have reported the fraud transaction over the phone and I have also called over the phone the second time to get an update. the person just told me just to ignore the transaction and just wait until it's reviewed. Im getting no updates about my fraud case and i still see it posted on my account XX/XX/2021 XXXX XXXX XXXX IN DISPUTE {$990.00} XX/XX/2021 XXXX XXXXXXXX IN DISPUTE {$370.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/2021 XXXX XXXX XXXX IN DISPUTE {$1500.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} I'm starting to feel worry because i don't want to be response for them.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On Sunday, XX/XX/XXXX, I visited XXXX to view my free credit report. 

After clicking through various pages and inputting what appeared to be required data home address, social security number, debit card number, etc. I saw my credit report. 

On Monday, XX/XX/XXXX, I checked my bank account and saw TransUnion had taken {$21.00} out of my checking account. I called to ask why they did this, and they said I signed up for some monthly service that would bill me {$21.00}. They also explained that while my credit report was free to view, my credit score cost money to view.

At no point while entering my personal information to view my free credit report on www.annualcreditreport.com do I recall consenting to pay TransUnion any amount, never mind signing up for a recurring fee. I told TransUnion to cancel my subscription. 

Later, on Monday, XX/XX/XXXX, after doing a quick search to see if anyone else had encountered this problem, I found dozens of people retelling the exact same scenario on various websites. I called TransUnion again requesting a full refund of my {$21.00} in addition to cancelling my subscription. 

Both times I called TransUnion they agreed to my request and said I'd receive a confirmation email. Thus far, I've received no confirmation emails from TransUnion, and the money has yet to be put back into my account. 

From my perspective, TransUnion is tricking people into paying for a service by following the steps on XXXX. They are willfully conflating the free credit report with the non-free credit score. Again, at no point in time did TransUnion inform me that I was buying something from them while trying to obtain my free credit report. This practice seems outright deceptive.
Consumer complaint received 2021-05-12
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. (CA)

I found out that my identity information was stolen and was opened fraudulent student loans by U S. DEPARTMENT OF EDUCATIONXXXX. I submitted the POLICE REPORT from XXXX XXXX Police Department and FTC Identity Theft Report to the credit reporting agencies. XXXX  has deleted these fraudulent accounts but Experian and XXXX  have ignored all documentations I have sent them. I contacted Experian and XXXX  and they stated that the police report needs to be signed by the police officer. I went back to the police station and got the signed police report. However, these two credit reporting agencies : Experian and XXXX  don't pay attention to any documents and refused to resolve this problem.
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Credit Collection Services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XXXX XXXXXX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving Credit collection services any right to collect on this alleged debt. I have never received any documentation requesting validation from credit collection services. 
If credit collection services can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until credit collection services can provide me with sufficient documentary evidence that I have any legal obligation to pay them.

If this documentary evidence can not be produced and credit collection services continues its collection efforts, I will file for litigation for actual damages caused and credit collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud.

Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f.

Your prompt attention and response are both requested and required.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (NJ)

I am a us customer, I got abruptly locked out of my Binance act. I only need access to withdraw my funds! 
I can't get submit a ticket I only get the same message from the Bot : Per our Terms of Use ( https : //www.binance.com/en/terms ), we are unable to service restricted users and regret to inform you that we have suspended our service to you.

If you still have funds in https : //Binance.com, please log in to your account, click the " reopen '' button, and withdraw all your funds within the next 72 hours, failing which your account will be locked indefinitely and offboarded.

For holding and trading crypto assets, we recommend secure crypto wallets such as XXXX XXXX, or other platforms such as https : //Binance.US. We appreciate your understanding and thank you for your support.

YET there is NO REOPEN button! I can't get passed the initial login before I am told I am denied access because I am a restricted user and that my account is permanently closed! ( see screenshot attached ) PLEASE HELP - I only need to withdraw/transfer my crypto coins
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am submitting another complaint because I am once again stating that I have sent multiples letters for half of a year requesting that the information be removed and updated. From XX/XX/XXXX until XX/XX/XXXX. The information has not been updated at all. And not has been updated. 

I have already sent multiple letters requesting the information to be removed and to be verified. And you ask me to continue to do it The response giving to me on XX/XX/XXXX was to re-submit disputes. The doesnt make sense to do that. My rights are being completely violated. I am not submitting anymore letters and I am seeking litigation if the information previously requested is updated and removed. 

XXXX XXXX XXXX is a resold debt from a different debt collector. And they are trying to collect a debt from XXXX, and on my XXXX Report, another debt collector is trying to collect on a debt from XXXX of the same account. Which is completely illegal. I pulled the information from the XXXX app and printed the reports. 

XXXX has no documentation saying that I have agreed to pay that debt they are collecting on the behalf of XXXX XXXX They will not provide information of registered agent of service, obligation of debt with my signature on it of agreeing to pay. 

Youre violating my rights and the FCRA federal law.
Consumer complaint received 2022-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I purchased a new XXXX XXXX XXXX with a 60-month 0.9 % loan from Toyota Financial Services ( TFS ) at the dealership. I purchased an extended warranty at the same time. I then called my auto insurance company and realized that the extended warranty duplicated existing coverage. I terminated the extended warranty 48 hours after purchase, as permitted in the contract. The total amount of the auto loan was reduced accordingly. However, TFS says that the monthly payment amount on the loan will not be reduced. Instead the term of the loan will be reduced. 

I signed up for a 0.9 percent loan for 60 months. At the current monthly repayment amount, the loan will be repaid in 56 months. Shouldn't the 60 month term of the loan in the contract be honored? I was allowed to cancel the extended warranty without penalty. Requiring me to pay back the loan 4 months earlier seems to constitute a penalty. 

I have said this to TFS by phone and letter and they say that what they are doing is " standard practice. ''
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (OR)

This is not my debt and when I called to inquire about it they said it was a debt of XXXX XXXX and would give no explanation of why its in my credit. When I disputed it through XXXX they claimed it was a legitimate debt but it is not. It is not mine. I am not married or even related to that person. It needs to be removed.