davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I transferred the balance from a Synchrony Bank/XXXX card to a visa. I transferred the full balance and I balance of {$150.00}. I wrote Synchrony bank and they did not respond in writing as they said they would. I just received a message to call them. I warned them they were going to be reported.
Consumer complaint received 2020-02-01
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)

XXXX Bill ( A Medical Collections Bill ) was reported on my collections in the amount of {$120.00} to the account in XX/XX/2020. 

According to the law that all three bureaus -XXXX  , XXXX  , and Equifax ( see attached document ), the bureaus need to wait 180 days ( 6 months ) before adding the record to the consumer 's credit report.

Instead of waiting for 180 days, the bureaus reported the medical collection within 30 days. I was getting ready to apply for a home and my score tanked about 70 points.
Consumer complaint received 2019-11-11
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: CITIZENS FINANCIAL GROUP, INC. (MN)

On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

Some one from the US SM BUS ADMIN ODA, made a hard inquiry on my Experian credit report. on XX/XX/2020. 
I did not authorize an inquiry and I have NOT applied for a small business loan or an Economic injury Disaster loan.
Consumer complaint received 2019-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2019 -- 4 unauthorized transactions were posted to my debit card account totaling XXXX These transactions took place without card present.

one Transaction {$300.00} for a XXXX XXXX payment, I advised TD Bank I dont have XXXX as a service and from My account I never had a charge for XXXX EVER! I advised TD Bank the payment must have posted to some persons number why cant they check?? 
a charge from XXXX {$260.00}, I called XXXX but other than tell me it was for a service the name of the person is available but they could not give me.. {$500.00} for a XXXX cash transfer. It was sent to some name I am not familiar with nor had I ever used XXXX. lastly a charge for Lyft for {$28.00}, XXXX being a taxi service it seems strange as I have no spouse or Children and as my statement can Identify I happened to be in XXXX the very same day all these charges were done and had my card since I withdrew {$440.00} from ATM in XXXX ... Also between XXXX there were several electronic transfers for XXXX  I also disputed and was credited by TD Bank.. 
I have now submitted the claim 3 times and 3 times denied and each time i am told decision is final there is no one to further discuss with but if I want they will re-submit claim..?? makes no sense.. Additionally they advised that since there was no aggressive charges ( in who's eyes )?? So why did they quickly approve the Several XXXX XXXX   charges in 2 days, I mean 6 charges in 2 days when I rarely use XXXX XXXX?? and then I found out that all the way into XXXX even the card being closed there wer attempts everyday to make charges.. If that not aggressive I cant explain what would be..
Consumer complaint received 2019-11-11
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-07-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

On XX/XX/XXXX XXXX XXXX XXXX and I, XXXX XXXX, purchased a XXXX XXXX XXXX XXXX XXXX VIN : XXXX from Toyota of XXXX. I made a down payment. We were financed for the vehicle through Toyota Financial Services. 

On XX/XX/XXXX I caught XXXX engaging in XXXX with another person. The personal relationship dissolved or ended. I repossessed the vehicle. 

On XX/XX/XXXX XXXX apologized and reconciled so I returned the vehicle to XXXX. 
On XXXX the XXXX, XXXX XXXX continued engaging in the cheating, lying, and trickery to obtain the vehicle. 
On XX/XX/XXXX XXXX did not pay the first payment {$370.00} and did not pay any money toward insurance coverage for the vehicle. 
On XX/XX/XXXX I filed a Civil Plenary Complaint in XXXX Circuit Court 4. ( Attached ) On XX/XX/XXXX Court ordered XXXX removed from the vehicle and full ownership awarded to me. ( Attached ) The court determined that the debit obligation exceeds the market value of the vehicle. 
On XX/XX/XXXX I put check # XXXX in the mail for the initial payment. 
On XX/XX/XXXX I called Toyota Financial Services to remove XXXX from the Retail Sales Contract. They refused to remove XXXX from the contract. They said they can not remove XXXX from the contract nor abide by the courts order. They refused to refinance the vehicle in my name only so that I may get the vehicle Titled and plated in my name only. Toyota Financial Services are taking initial steps to repossess the vehicle.
Consumer complaint received 2019-11-11
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. (CA)

I disputed information on my credit report with Experian regarding a XXXX Department Store account. Due to medical expenses in XXXX I had debt that I could not pay. It has been 7 years and all the bank credit card debt is no longer on my credit report. XXXX has reported a debt of just over {$200.00} to both XXXX  and to Experian. In XX/XX/XXXX I phoned XXXX to close this account which I never used again. XXXX has reported that my last payment was XXXX XXXX but they waited to report this account as closed until XX/XX/XXXX therefore it is still a debt on my credit report. Apparently XXXX took no action at the time I closed the account to actually report it as closed, which is not in line with their stated policy to close an account after 60 days of delinquency. As I said they did not report it as closed until XX/XX/XXXX therefore it still shows up on my credit report. I have disputed this with Experian and Transunion. The Experian " investigation '' of disputes is automated and XXXX continues to just say the account was closed in XXXX without providing any evidence about anything involved my activities with the account after XXXX XXXX. The only response I got from XXXX was a form letter asking me for my address - which I had already given them on my first letter! They also asked me for the account no. which I had already given them in my first letter to the best of my ability ( their rep., who could easily find the account, refused to give me the complete no. over the phone - yet they ask me for it! ). Since I closed this account and never used it again after XXXX XXXX, which XXXX agrees with, they should correct the mistake of reporting a closed date in XXXX with XXXX and Experian. If they continue to claim otherwise they shold be required to document evidence supporting their actions. Their irresponsible negligence is holding up my ability to re-establish credit and I have a right to do that after seven years.
Consumer complaint received 2023-01-09
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-02-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (WI)

XXXX XXXX loan was in collection from XXXX. 
XXXX XXXX sent my loan to National Credit Adjusters in Kansas. 
NCA sent a notice XX/XX/XXXX which was received by me through USPS. 

E-mails are now received scheduling me for arrest. 

Lender and collection agency are both licensed by state and federal agencies. 
Please begin procedures to revoke all business licenses from XXXX XXXX and National Credit Adjusters. 

NO PAYMENT WILL BE MADE TO XXXX XXXX OR NCA. 

Restitution is now needed for the threat of arrest. 

Cancel all balances with National Credit Adjusters immediately. 
NCA sells customer information to scammers under various names. 
Scammers have all information from NCA and lender files.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MI)

I believe Midland Credit Management , INC violated the FDCPA by publically serving me a summons for a debt they failed to properly attempt to collect on in my native language. Midland Credit Management , INC has been sending me letters in the XXXX  language. 
I do not speak, or read, XXXX. Why would I think anything mailed to me in XXXX  is an important document that I would be required to respond to? I also received numerous calls from someone speaking XXXX, I am now under the assumption that was Midland Credit Management , INC . I embarrassingly had a police officer show up at my door serving me a summons for a debt I did not know existed. The debt has NOT shown up on any of the three credit bureaus, XXXX, XXXX, or XXXX, reports. 
How are they able to cause stress in my life by serving me a summons when they did not properly communicate with me in English? I think this is an extremely deceptive practice.
Consumer complaint received 2021-02-25
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)

XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX see attachments of the FCRA violations : XXXX  XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$910.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$910.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$540.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$540.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2800.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$2500.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$1200.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$1100.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$1000.00} Date OpenedXX/XX/XXXX Dispute XXXXXXXX XXXX XXXXXXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeSecured Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXXXXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$20000.00} written off. 
XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (CA)

On XX/XX/2022, NATIONAL CREDIT SYSTEMS flagged my account as collections without any prior notification of the said debt. The original creditor did not contact me about the reported debt either. As I was not contacted prior to this action, I was not allowed to exercise my right to either dispute or agree on a payment arrangement for the said debt. I was also not given a chance to request evidence/proof of reported debt. 

I am therefore reporting the creditor and appealing for the removal of the reported debt from my credit report. 

Details of reported debt - NATIONAL CREDIT SYSTEM XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX Amount : {$1500.00} Original Creditor - XXXX XXXX  XXXX  Thank you.
Consumer complaint received 2023-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (SC)

I continue to receive debt collection letters from Frost Arnett. They give no information regarding what services they are collecting for. I've contacted the hospital in question and they have no reference of the account numbers Frost Arnett uses nor does the hospital show any balance for the dates or patient listed. Additionally, the hospital shows no record of any request for Frost Arnett to collect on my account.
Consumer complaint received 2019-03-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

Every year around tax time I receive notification from a collection company being hired by XXXX XXXX XXXX saying I owe money I dont owe when I was a student at XXXX XXXX which is also known as XXXX XXXX XXXX XXXX XXXX. The school is now called XXXX XXXX XXXX XXXX XXXX. It was a XXXX XXXX program. The current collection company contacting me is convergent outsourcing. Last I spoke with XXXX XXXX XXXX XXXX XXXX   my account is paid off.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TH Professional & Medical Collections LTD (IL)

Without any formal notification or opportunity for dispute, a {$5000.00} medical bill for my deceased son appeared on my credit reports as a collection account. Upon discovering this information on XX/XX/2018, I reached out to the original creditor, XXXX XXXX ( XXXX ). They indicated they would recall the account from the collection agency as there was a billing error. I contacted TH Professional & Medical Collections ( TH ) that same day and informed them that XXXX recalling the account. XXXX also contacted TH that same day to verify this information. I then followed up with TH again on XX/XX/2018 as the account was still reporting to my credit reports. I was assured that information had already been sent to the credit bureau ( s ) to completely remove the account from my credit report ( s ). 

I have credit monitoring with all three ( 3 ) bureaus and refresh my reports daily. As of the date of this complaint, this account remains on reports in error and is having a serious derogatory impact on my score ( s ) as it is the only collection account reported to any of the bureaus. I need this account removed ASAP so that my credit will be restored to its correct, positive, state.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

My wife used my credit card number without my consent to create an account and subscription with two online babysitting companies that charged {$62.00} and {$35.00} to my Chase credit card each month for almost two years each. Though we resolved the babysitting situation without these companies within a month, my wife continued to keep the accounts open, racking up a total bill of over {$1500.00} before I caught the error. I have been in the process of divorcing her while the bills accumulated. I had no access to these accounts nor the notices that they were charging me as the accounts were made in her name and with her contact information. Chase made an initial determination that it could not be fraud because I " knew the name of the person '' who committed the fraud. I asked the representative if this meant that if I knew the name of a cashier who stole my credit card number and used it outside of my consent or control would this also count as my responsibility. He declined to answer. I appealed the decision and received word over email that Chase had rejected my appeal and closed the case. Chase committed an abuse of power with this decision and should be held accountable. My divorce is expensive and I am accumulating a lot of debt despite my steady employment. Every element of this situation would be declared fraud from any fair judge and yet because of the debt, I am already accumulating, I can not fight Chase in court to reverse this decision. To XXXX 's credit, they did recognize the fraud and reimbursed me {$210.00}. Please help me to get the rest of my fair reimbursement.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX reporting is directly impacting my ability to obtain home mortgage. Reporting my loan which has been charged off, as 90 days late each and every month is a violation of FCRA. As the debt is charged off, factually, it can not be 90 days late. The debt is charged off. The loan is considered closed.
Consumer complaint received 2021-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Resource Systems, Inc (GA)

As the CONSUMER I have contacted United Resource Systems , INC. and all 3 Credit Bureaus multiple times about validating an alleged payment they say I owe using certified mail XX/XX/2021 Certified Mail Receipt Record # XXXX XX/XX/2021 Certified Mail Receipt Record # XXXX I listed the items pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681, Section 609 & Section 611 ( a ) ( 1 ) ( A ) ( my original consumer contract with my signature on it ).

1 ) Please provide the name of any parent companies that this financial institution is operating in contract with in respect to the claim herein 2 ) Please provide the EIN number and CUSIP number of this company/corporation/financial institution 3 ) Please provide an affidavit stating that you have enforceable payment interest in the contract account # XXXXbased on SEC files including all prospectuses XXXX registrations XXXX registrations and all other SEC documents pertaining to the above mentioned claim 4 ) Please provide documents pertaining to any stock, securities, bonds etc associated with this specific account number.

5 ) Provide an Affidavit Certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions 6 ) Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp of convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. 

You are bound by law to provide this information upon a request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws Said Directors, Managers, Supervisors, and Employees in the name of United Resource Systems , INC allegedly executed a contract with the requester and it is affirmed by requester that they violated the law in their actions of alleging the requester owes them a debt. 



They have not provided the validation for this and continue to cause me nuisance, humiliation, defamation, and financial distress by continuing to report this unverified claim impeding and halting my ability to utilize my credit as needed during this pandemic.