davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX. XXXX XXXX is incorrectly collecting debt of {$69.00} for XXXX Account XXXX. All XXXX equipment was returned to XXXX and no bill was owed to XXXX as per my telephone calls to and from XXXX. But XXXX and XXXX. XXXX XXXX refuses to remove this account from my XXXX, Transunion, and XXXX credit reports. I do not owe XXXX or XXXX. XXXX XXXX {$69.00} because the service with XXXX  was cancelled and all equipment were returned. 

Remove XXXX. XXXX XXXX. XXXX Account XXXX for {$69.00} from my XXXX, Transunion, and XXXX credit reports. 

I will report XXXX. XXXX XXXX and XXXX to the FTC and FCC for fraudulent debt collection after equipment was returned and service was cancelled.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (KS)

Attempts to collect medical debt giving confusing information & being returned documents that do not prove that the debt is mine ( ie they mailed me a copy of my Kansas drivers licence which does not prove that the debt is mine. One of the bills they sent says I owe them {$51.00}, another says {$0.00} under " final notice '', yet a third bill says {$140.00} i think before you go around saying i owe you money you need to make up your mind as to which amount it is after 2 requests for verification of the debt clearly indicates confusion on the part of the debt collection agency from the party they are trying to collect from.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

A company called " Southwest Credit '' recently sent me a letter, dated XX/XX/XXXX, claiming to have been authorized by XXXX to collect {$270.00} from me for a " debt owed. '' ( I closed my XXXX account and paid the balance in full about 4 or 5 years ago so I could change my cell phone service to XXXX XXXX XXXX ) In the letter, Southwest stated that they would settle for 45 % of that amount. They stated that I needed to respond within 30 days. I did not respond. On XX/XX/XXXX, they put collection accounts on my XXXX and XXXX credit reports, lowering my credit scores drastically. This is the fourth time I've had to contact the credit bureaus to dispute and remove this false, fraudulent charge from my credit reports -- each time placed by a different fraudulent " collection '' company, and each time for the same false charge. When I called XXXX, they said that I do not owe them anything, that my account was paid in full, and that they have never heard of Southwest or the other companies that have tried to collect this false, fraudulent charge. XXXX told me on XX/XX/XXXX that they see in my file that I have disputed and removed this fraudulent collection account a few times before, and that they have already verified before with XXXX  that my account balance is {$0.00}, paid in full. I disputed the charge with XXXX and XXXX and am awaiting the results -- again! In my opinion, what these dishonest " collection '' companies are doing is extortion, and they are criminals. I need your help to prevent them from selling this phony charge to another company who will try it again.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MI)

I have contacted this company numerous times of a debt that I do not owe. Dates are inaccurate. Amount of debt is inaccurate. Ive reached out to this company and no one Eve answers the phone. Ive sent in proof that the debt doesnt belong to me.
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

This is a Challenge Letter referencing Case No : XXXX pertaining to Gemini.com, previously submitted but now closed. I have been advised by an expert crypto scam recovery firm I've hired to upload this letter to your website in yet another attempt to receive justice and compensation. Please do the needful. Thank you.
Consumer complaint received 2020-01-28
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 — Their investigation did not fix an error on your report
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-09-14
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. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters in the past with no response and this has become a very stressful situation.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Good morning, I understand what the law says about the credit report and filing for a bankruptcy but I believe it is not fair that if I file for bankruptcy and the case was dismissed that it is listed on my credit at all, if at the end of the day the government funds were not use to get out of debt why is it being reported at all and damaging my credit? I went through a rough period of my life as many Americans from XX/XX/XXXX to XX/XX/XXXX that filing for bankruptcy was my only option for my piece of mind since I was going crazy not being able to pay off my debts as I wanted to, but the case was dismissed because I was not in the US at the time of the court ( taking care of a personal issue in XXXX ) and I decided not to continue filing the bk after that, still my credit was affected and I've been working hard to restore it, but the bk that I never received a benefit from is still showing and from what I see it will continue coming up for another 3 years. Please if there is a way to have that bk removed please let me know how, or if some amendment to the law can be done to help us consumers that dismiss the cases to have the bk removed would be greatly appreciate it by me and many Americans. 

Thank you
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (CA)

XX/XX/2022, someone ran my hard inquiry one my credit for mortgage banks, sun trust bank. I did not authorized it. I hit me hard inquiry on XXXX XXXX report. I want it removed, inquire. Im not refinance my house so might be fraud.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (OH)

I have multiple credit inquiries on all three of my credit reports. I never applied at these companies. I have listed them below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-12
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Lending Club Corp (KS)

I applied for a cash loan from Lending Club but was unaware that they would make me pay {$610.00} per month with an APR of 22,99 %. I am a senior citizen living off of Social Security and have called The Lending Club numerous times to lower my payments which they did for a few months. Now, they refuse to lower my payments or always refused to lower my APR. I advised them that I thought my APR was much lower according to a postcard received by The Lending Club and if they could lower it. The postcard advertised 7 % but it as never applied to my account. They are NOT FDIC insured. I can not afford to pay them that large amount as I wont be able to put food on the table or keep a roof over my head. The Lending Club allowed me to pay {$200.00} for a few months then about {$300.00} for 2 months which was already too much, plus they kept charging me the 22.99 % APR. Now, they wont give me a break at all. They also refuse to allow me to make one time payments online because one is required to put payments on auto-pay or mail in a check. They are money hungry, have no empathy and are making millions off of poor customers. I believe that you need to investigate The Lending Club. Please advise what you need from me and if you could respond I would greatly appreciate it. Thank you. XXXX XXXX. XXXX, KS
Consumer complaint received 2018-02-20
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: EQUIFAX, INC. (CA)

I've had this problem numerous times with Equifax, with them removing an item ( XXXX XXXX XXXX ) only to have it reappear on my credit report. The time before this complaint was back in XXXX complaint number XXXX. I'm getting tired of this, their not following the law of the credit Reporting Act. The latest one was a few days ago, which I'm sending proof of. This illegall activity just keeps occuring.
Consumer complaint received 2023-01-03
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. (IL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-29
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. (UNITED STATES MINOR OUTLYING ISLANDS)

Late Payment reported for XXXX XXXX I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.
Consumer complaint received 2018-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

I received a checking account statement in the mail from TD Bank covering the dates of XX/XX/2018 to XX/XX/2018. The problem is I never opened or authorized a checking account with TD Bank. I see on the statement that XXXX deposited {$0.00} on XX/XX/18 and debited the {$0.00} cents the same day to verify if the checking account was valid. The checking statement had my correct name and address at the top. I visited a TD Bank branch and closed the checking account.
Consumer complaint received 2022-05-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MS)

This was not sent in error XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA XXXX XXXX Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2018-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK (TN)

I authorized mortgage company to automatically debit my checking account each month in the amount of my mortgage. When I submit an extra payment to be applied to principal, the lender does not apply the additional payment to principal, but instead applies the amount to my next scheduled payment. I have called to complain about this and was told that the only way to effectuate an additional principal payment was to send it in during the 7 days following my automatic payment but prior to the end of the calendar month. I think that is an unethical practice designed to prevent consumers from paying off principal.
Consumer complaint received 2023-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance With the fair credit reporting act XXXX account number XXXX has violated by Rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Northern Trust Company, The (CA)

Checking account called " Demand Notes '' by " XXXX XXXX '' XXXX XXXX XXXX. XXXX MI XXXX and their " paying agent '' Northern Trust XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX. 


XXXX XXXX notified me in XX/XX/XXXX that two of my checking accounts would be closed by XXXX, and any remaining balance would be sent by check after that date. I received a check for one account, in the correct amount. The second check I never received. I called by phone, spoke to an Ally representative in XX/XX/XXXX, and was told that Northern Trust Co responsible for distributing the checks had sent many checks that were " lost '' in the mail. From what I could gather, hundreds if not thousands, of postal checks went missing under NTC 's care. 

I thought it would be a simple matter for them to reissue me a check, and put a stop on the " lost '' one, but they refused and told me I had to complete an affidavit, get it notarized and mail it, and then they can issue a replacement check. It would cost me about 1 hour of work, and {$20.00} to pay a notary public, plus postage, just to get this payment that is due. What is bad about this is NTC and XXXX is doing this to possible thousands of people. 

It seems to me really poor behavior, if not outright illegal and non-compliant to regulation, for XXXX and NTC to behave this way against so many customers, many of who will sustain a loss. 

Please investigate how many people had to pay to get their money back from XXXX and NTC. 

I can provide further info.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following 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 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 2023-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (VA)

Approx. XX/XX/XXXX filed a dispute with XXXX after collection account showed up and I questioned account? 
XXXX did a request and returned an answer on or about XX/XX/XXXX. 
The amount in question was for {$520.00} for lab services. 

The answer was that they noted I disputed but was done under the Fair Credit Reporting Act.

Three days [ letter dated XX/XX/XXXX ] a letter arrived from the company Radius Global Solutions, LLC requesting data and stating they did contact credit bureau, XXXX  to state I disputed information. 

Now, they want information to submit. This should have been done prior to submission. The collection agency and lab company are aggressive and will not do due diligence. 
This bill was done in error by doctor submitting and corrected per a phone call by patient. I assume the lab company did not verify nor did doctor remove because of payment by insurance company.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

CFPB THANK YOU FOR ALL THE HELP, TD bank i have account for over year open with them the only allowed me to do wire, i can not pay my employees with ACH, i can not used my debit card, i can not withdraw money from the account end the charge me {$1500.00} for every wire i receive because im not allowed to receive ACH is well, so the charge me for every wire i do its {$3000.00} its my business account, so all this month bank been charge me more then {$10000.00} in fees end i still can not used the account can not complain i went to the bank so many time, i can not remember how many times i complain about this situation with then so please help me out again