davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I started to look closely into my credit reporting due to some inaccurate information and came across Toyota Motor Credit. On XX/XX/XXXX they attempted to serve and sue me for the amount of {$3700.00}. This account was a joint account, and they are coming at me even though this debt belonged to the other party XXXX XXXX XXXX XXXX XXXX, who had filed bankruptcy in 2018. According to NJ eCourts records show that on XX/XX/XXXX, USPS had received a signature, but I have not resided in the state of NJ since XXXX. There were fraudulent charges made on this account and I did not have possession of this vehicle, I was simply the co-signer. I should not be responsible for someone else 's failure to make her payments and have her not pay anything due to her bankruptcy.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BHA Services (FL)

My elderly father received a call in reference to someone looking for me in reference to the collection of a debt. I called the number ( XXXX ) XXXX. This number was for a company called BHA Services in XXXX. I spoke to " XXXX XXXX '' who was attempting to collect a debt from XXXX from something I am not aware of. I told him that if it was a XXXX XXXX XXXX debt, I had a bankruptcy in XXXX. I then told him that my credit is perfect and I owed no one anything and not to call me again. XXXX XXXX has since called my cell phone multiple times. He is now calling and harassing my work number repeatedly. I checked with my XXXX XXXX and they advise that all credit agencies report that my credit is excellent and that there are no delinquent nor unpaid accounts. I do not know what kind of scam this company or individual is attempting I take my accounts seriously and am tired of being harassed by this person. If I can not resolve this issue via your complaint services, my only option to end this relentless persecution will be to contact an attorney and pursue legal action. I am a XXXX XXXX  XXXX and have consulted my agencies white collar crimes who told me to begin documenting the dates and times of each call in order to provide documentation to my attorney to show a pattern of abusive behavior.
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MT)

on XX/XX/XXXX I sent a wire for {$25.00} over to Coinbase INC/XXXX XXXX in XXXX. On XX/XX/XXXX they sent me an email saying that they could NOT accept the wire and they would send it back to my bank in 10 business days. Has been almost 2 months now and no money. I have contacted coinbase and asked them about it and all they say is we are very backed up and a specialist is taking care of your case and you will get your money soon but so far nothing. I would like them to return my money so I can feed my family. 2 months is unaccepted time to hold someone's money for no reason. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (NV)

On XX/XX/2021 I had applied and received a loan for {$500.00} from Speedy Cash online. I went about my week thinking I had funds in my bank to cover overdrafting my account and then I saw my account at XXXX. On XX/XX/2021 the funds were withdrawn from my account, and also accrued 6 overdraft fees for payments that were supposed to be covered by my loan. I called Speedy Cash support and they told me that they don't see anything in their system that they took my money. I called my bank and they said there is nothing they can do because I have to handle it with the merchant. I sent bank account statements with activity and still waiting from Speedy Cash to resolve the issue. Meanwhile I am accruing penalty fees from Speedy Cash for a loan they gave me and took back. I am behind on my bills and very frustrated with this whole process.
Consumer complaint received 2021-04-12
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: EQUIFAX, INC. (TX)

Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On or about XX/XX/XXXX and several other dates, Transunion certified that they validated/verified information on three different accounts and that the information was accurate and continue to report the information. The information they're reporting are as follows : They certified that XXXX  XXXX XXXX  reported a payment on XX/XX/XXXX for an account they verified was closed on XX/XX/XXXX ; they " updated '' this account XX/XX/XXXX They are also reporting a VA Dept of Social Services account as open ; but have a date closed of XX/XX/XXXX. In addition to this same account, they certified that they verified payments on this account however they are reporting COL ( collections ) on the accounts for the months of XX/XX/XXXX and XX/XX/XXXX ; when payments were made ( I have proof ) Finally, on an account with XXXX XXXX XXXX, they are reporting that they verified the account was accurate but they have a date opened of XX/XX/XXXX and a date closed and paid of XX/XX/XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> and XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-06-20
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. (TX)

I have provided all necessary information and expect the listed accounts to be deleted and blocked within four business days of your receipt of this notice to comply with my rights under the FCRA. Failure to do so constitutes a violation of the FCRA, and I will take legal action to protect my credit rating and myself if my dispute is not investigated and the information is deleted promptly. Each violation of the FCRA can result in damages up to {$1000.00} as per 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), ensuring consumers have recourse for willful violations of their rights.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IN)

There are 8 commenity bank store accounts on my credit report. None of them are mine. I found out about this after a summons was sent to my house for two of the accounts that were purchases by XXXX XXXX. I responded to the summons saying these aren't mine and I've never been in a XXXX or Victorias Secret in my life which to this day is true. At the time a lien/judgement would have been devastating to the prospects of buying my first home but i didnt have the money to settle until a year later. The damage has been done and now I'm paying for it still. Despite these not being my accounts. 

I'm here asking the CFPB to help with this matter. 

Commenity is reporting 8 accounts on my credit reports. 2 were used by someone and the other 8 were never used but still remain on the report. I did not open, sign up for or use these accounts. 

XXXX Victorias Secret XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX During the lawsuit in 2018 I provided a response saying exactly this and what happened is they provided me with statements. But statements do not prove I didnt sign up for these accounts. I was told the burden of proof is on me. I was only made aware of these in 2018 when I was sued. The 6 other accounts show a perfect standing on my report but i want my report to be accurate. These are not my accounts.
Consumer complaint received 2021-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (LA)

My mortgage company is not applying my payments to my account properly on XX/XX/2020 I had a {$0.00} payment on XX/XX/2020 had a {$0.00} payment then on XX/XX/2020 had a payment of {$1700.00} then on XX/XX/2020 had a payment for {$1800.00}. I am XXXX years old these people are stealing through creative accounting they call it Misc. Receipt.
Consumer complaint received 2021-08-21
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. (MI)

from : natural person-XXXX  XXXX XXXX to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, UNITED STATES, XXXX & XXXX XXXX Compliance Director XXXX XXXX All the entities listed on my credit report are not registered to do business in any of the States abroad. I do not have any debts being owed to any of these entities classified as unregistered unincorporated associations. For example : STATE OF MI/OFFICE CHILD or XXXX XXXX XXXX XXXX XXXX XXXX neither of these entities exist nor are registered to do business in the State of Michigan. 
Another issue is that you are allowing these non-existing entities to use different names with multiple social security numbers and report false debts under these stolen social security numbers. There is only 1 Social Security number/Estate authorized to be used, and that is XXXX. For example : who is XXXX XXXX with Social Security # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX etc. 
Estate-Social Security number XXXX has no debt. Also, these non-existing entities used fictitious physical addresses associated with Corporations only. 
I've uploaded STATE OF MI/OFFICE CHILD and XXXX XXXX XXXX XXXX XXXX record showing no business exist with MICHIGAN DEPARTMENT OF LICENSING AND REGULATORY AFFAIRS.
Consumer complaint received 2020-12-02
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 was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies which the accounts was opened. I am seeking your assistance to please remove the account which was opened by fraud as per FCRA Section 605B ( a ). I've tried sending my information to the credit bureaus but i am having a hard time getting any help dealing directly with them.
Consumer complaint received 2020-01-21
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: EQUIFAX, INC. (OH)

- [ ] Addresses * XXXX XXXX, OH XXXX-XXXX * XXXX XXXX, OH XXXX - [ ]  Collection account ( no knowledge of this however noticed there are late payments, from my understanding collections closed are not supposed to have a payment history of late payments. ) XXXX XXXX  Original creditor : CURRENT XXXX XXXX {$470.00} <1 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX - [ ] Closed accounts - [ ]  inquiries XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX/XXXX  XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX  Finance Companies -  non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX  XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-10
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: Bread Financial Holdings, Inc. (NC)

To whom it may concern, Thank you for service. 

This complaint is concerning a Victoria Secret credit card account. This account was opened XX/XX/XXXX. It reports on my consumer file as CB/VICSCRT. This account was closed and charged-off as a bad debt and sold to XXXX ( XXXX XXXX XXXX ). I paid the account if full to XXXX XX/XX/XXXX. They in turn removed there mark from my consumer file. This account is closed and reports to XXXX ONLY as CLOSED, PAID IN FULL by Victoria Secret and still remains on my consumer file today. 
A cancelled debt or a charge-off is considered income according to the most recent IRS instructional publication. Furnishers of information are required to report debt to the consumer reporting agencies, not income. Why is this account still being reported? Victoria Secret never sent me a 1099c.

15 U.S. Code 1681s-2 clearly states the duty of furnishers of information. Its states they shall not furnish any information relating to a consumer to any consumer reporting agency if the person ( corporation or company ) knows or has reasonable cause to believe that the information is inaccurate. I have put them on notice numerous times. I have disputed this account personally over 10 times and have hired 2 separate companies to get this item remove from my consumer file. The inaccurate reporting of this account has been detrimental to me and my familys ability to obtain credit and to qualify for a XXXX  Veteran Home Purchase. I am demanding that Victoria Secret remove this inaccurate and invalid information from my consumer report because they are in clear violation of the law. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2020-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from these credit agencies.

I would like to know the following information : 1. Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

2. If so, why have I not heard back from them?

3. If my dispute was not received, then who has all of my account information, copies of my photo ID, SSN and bill that was sent certified to the credit bureau?
Consumer complaint received 2024-03-02
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from these credit agencies. 
I would like to know the following information : 1. Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

2. If so, why have I not heard back from them?

3. If my dispute was not received, then who has all of my account information, copies of my photo ID, SSN and bill that was sent certified to the credit bureau?
Consumer complaint received 2020-12-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (AP)

I already had a case with the CFPB board. It was number XXXX and I was dealing with Wells Fargo. They have not been able to get a check to me since XXXX of 2019 way before Covid 19 hit began. The kicker is that your company was involved and they sent me a check and it BOUNCED and now I have to pay a {$20.00} for their incompetence and they still have NOT paid me. This is the craziest thing to me that a XXXX dollar company can not ensure that a check is given to me. I even contacted their representative AGAIN and crickets. NO ONE takes responsibility at this company.