davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp (IL)

To whom it may concern, I am writing to formally file a complaint against this agency about the alleged medical debt as I believe they have violated the FDCPA and HIPAA Law. I never authorized anyone to give my medical information so I need to know what other information these people acquire. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX - XXXX and XXXX - XXXX
Consumer complaint received 2020-11-17
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. (TX)

SUBJECT : Complain against TransUnion-Consumer for abating reduction of credit score, reporting delinquency and negative remarks resulting Rejection of Auto Loan by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, and rejection of small credit by XX/XX/XXXXXXXX XXXX ( my own XX/XX/XXXX XXXX XXXX credit card ). 


Hello CFPB, Because of negligence by TransUnion-Consumer, both XXXX XXXX and XXXX XXXX XXXX XXXX, declined my New Vehicle Loan Application based on discriminatory facts. 
XXXX knew about the Fraud that took place and some minimal Debt that was direct result of Identity Theft. There is Fraud alert put by myself. However, XXXX XXXX XXXX XXXX discriminated me possibly assuming that i am a person who is prone to Fraud. 

In fact, all Credit Beaureaus ( including TransUnion-Consumer ) are aware of the fact that i was an Identity Theft victim and Fraud Alerts that i have put on my SSN in XX/XX/2020. 
With respect to the Fraud alert and 2 negative remarks on my credit, explanation that a small debt ( late fees and interest only ), were a direct result of Identity theft. These agencies ( including XXXX XXXX XXXX XXXX XXXX are aware about this. Copies of these documents have been submitted to CFPB and Credit Bureaus in XX/XX/2020 and XX/XX/2020. Also, copies of these documents shall be submitted to the Lenders who have declined me Credit because of XXXX 's negligence, including XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX ) In spite of full knowledge and documentation and proof that transactions were unauthorized, TransUnion-Consumer futher victimized the victim of identity theft ( myself ) discriminated me as a problematic person who is prone to identity theft? 
TransUnion-Consumer abaited the Auto Loan Dept. of companies such as XXXX XXXX services and XXXX who went on to reject my Loan based on negative remarks that XX/XX/XXXX reported to TransUnion-Consumer, in spite of full documentation and proof that i was in fact victim of identity theft and XX/XX/XXXX has acknowledged this by refunding all 33 transactions ( proof attached ) and acknowledged that the Debt ( late fees and interest ) were direct result of the Identity Theft, which is clear in consumer testimony to the Credit Beauraus including TransUnion-Consumer.
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (PA)

Deposited XXXX payroll checks, totaling over {$2800.00}. The teller told me the funds would be available the next business day. Funds are still not available 1 week later despite numerous calls and visits to the bank. At each call and visit, I was told the funds would clear the next day. At the last call three days ago, I was informed that the check would be held for 6 days at maximum. It is now 7 business days in and I have no anser as to when funds will clear. The bank is posting electronic bill payments and calculating a minus balance with imposed late fees despite pending checks. I would like to close account but the bank has refused because the balance is " minus '' despite the {$2800.00} deposit that has not yet cleared.
Consumer complaint received 2020-07-05
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. (CO)

I faxed my identification and utility bill and social security card to equifax on XX/XX/XXXX. I get these alerts from my credit monitoring services please see attached. The fraud department guy I spoke to had updated my address and assured me that it wouldnt change again but I knew it would. He said the mixed files were fixed he saw in the notes. So why am I getting these alerts? I just simply want answers.
Consumer complaint received 2020-07-05
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: ENCORE CAPITAL GROUP INC. (KY)

Account was disputed on my credit report and removed. I wasnt notified that the account was going to be put back on my credit report. It was put back on my report. I disputed it again.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed XXXX XXXX XXXX, there are several frauds/ or unauthorized information these accounts were sold for less to a third party, please see the below accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given XXXX XXXX XXXX permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within XXXX  days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX XXXX XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2024-01-17
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. (CT)

I AM A VICTIM OF ID THEFT FROM THE XXXX DATA BREACH engagement number ( XXXX ). THESE FRAUDULENT ACCOUNT ARE DEMAGING MY NAME AND STOPPING ME FROM GETTING MY HOME.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Theres an hard inquiry on my report from Capital XXXX and I called into TransUnion to remove it and they told me that XXXX XXXX has to send the letter so I called XXXX XXXX. I told him that its fraud and Capital XXXX sent a letter to XXXX  and to XXXX and Trans Union everyone moved it besides Trans Union Trans Union didnt remove it.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY (GA)

I was without phone access during a XXXX XX/XX/2016 and missed a credit card payment through TD Bank. I set up an automatic payment but it never went through. When I returned, I fixed the situation by calling card services and they waived my interest fee and my late fee. Since, on my credit report it still says that I have missed payments which I had waived. I have called card services to try and get everything taken care of and they are not helping to get this removed off my credit report. Also, TD card services sent me a letter in the mail lowering my credit from XXXX to XXXX because I used my card too often. The reason I used my card to often is because in XX/XX/XXXX I had some identity theft on my debit card and live no where near a branch office to get a new one so the advisor told me to use my credit card that I paid off just as it were a debit card. I have kept up with this card making double payments repeatedly and this is severely effecting my credit.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had several loans with XXXX that all went to collections at once. In the span of less than 2 weeks, I paid off every single one about a year later. 1 was done on a particular date ( Loan ID XXXX XX/XX/XXXX but charged off XX/XX/XXXX in the amount of {$71.00} ), and the other XXXX were on a different date ( various amounts and dates charged off, all paid XX/XX/XXXX ). 
I have disputed this so many times with Experian ( showing up as account XXXX ) but each time they say it remains and the company certified the balance is correct/remains. When I contact XXXX, they say that THEY confirm the balances are all paid. 
When I contact the collection agency they used, XXXX, they say they see my payments as all being made but that the report has to cone from XXXX to Experian to confirm it. And then Experian again still says it remains. 
This has now been paid off for nearly 3 years but still shows as me owning a balance while all the other accounts show as paid.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Tried to dispute incorrect names that are on my report online at Experian. Would not allow me to do it so I called the number given and no matter which option I chose, I did not get anyone online and then it just said 'goodbye '. I called 4 more numbers to Experian spent over an hour trying all the different options and again no one and then 'goodbye ' or just hung up. I have been trying to get through to Experian for days and this is inexcusable.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (FL)

I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called XXXX, XXXX. Reporting date was XX/XX/XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or XXXX, XXXX so this debt needs to be verified ASAP. I sent XXXX letters, via certified mail to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. XXXX days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX.Rooms to go acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a 3rd party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with XXXX, XXXX who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now XXXX. I told him that the information being reported was incorrect and that I am currently paying on the account through care XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that XXXX ( " XXXX '' ) is the owner of the subject XXXX/TD Bank NA XXXX XXXX XXXX Big Store credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX, XXXX has received seven ( 7 ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by XXXX. XXXX respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CARTER-JONES COLLECTION SERVICE, INC (NV)

I have sent this company numerous cease and desist letters as well as debt validation letters. This company has refused to adhere to my written request. This company is in clear violation of the FDCPA. On top of that i have found that this company isn't even licensed or bonded to collect in the state of Nevada. Please have this company cease all collection activities and erroneous credit reporting. This is my final attempt to complain outside of court. Thank you.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). In Accordance to Fair Credit Reporting Act XXXX this accounts bellow have violated my rights. 

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 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 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.
Consumer complaint received 2020-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX, I submitted a payment to Capital One in the amount of XXXX for the statement balance of my card. On my bank account that was posted as of XX/XX/XXXX. I attempted to make a purchase on my card on XXXX and it was declined due to the payment being held. They are holding payments that have already cleared ACH and I am sure investing that money with interest without the consumer being able to use the money.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Volvo Car Financial Services U.S., LLC (TX)

In XXXX XXXX XXXX, I terminated the lease of my XXXX XXXX with Volvo Car Financial Services. I paid all the dues by XXXX XXXX XXXX, except for their " estimates '' for property tax. The problem is I reside in Texas and there are no such taxes for vehicles for private use. XXXX failed to produce an official bill from the state of Texas, or from XXXX XXXX. They persisted in keeping the charges and then labelled my account as a charge off. I am attaching evidence of having paid all dues besides the estimated tax, and the bogus document that XXXX cited as proof of taxation by state, that does not have a single reference to me or the vehicle I leased. 

I shared this evidence with XXXX, XXXX and XXXX. XXXX and XXXX immediately deleted the account. XXXX failed to do so despite trying twice. I have no confidence in XXXX 's ability to objectively review evidence and reach the right conclusion.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (KS)

I would like to make a complaint against XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was Cashnet USA. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and XXXX XXXX has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
XXXX. XXXX XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX  v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX XXXX also violated FDCPA Section 809 ( b )  because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b  ) and a {$1000.00} fine.
Consumer complaint received 2018-02-01
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. (NC)

On XX/XX/XXXX I sent a letter to XXXX, XXXX, and TransUnion for this inaccurate account that I found shockingly showing on my credit report. XXXX  could not verify the account with the third party collector to be valid so they removed the item. XXXX  and TransUnion responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX  could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but XXXX, and TransUnion claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

Hello, I went to XXXX  to make a money order on XX/XX/2019 to XXXX XXXX XXXX  XXXX for {$1200.00}. After leaving and receiving my receipt for the money order, XXXX  later on once realizing my money did not go to its correct place, informed me that the payout name had been changed to XXXX XXXX and was cashed out by Santander Bank. I had filed an affidavit of forgery to XXXX XX/XX/2019. They informed me that since they did not cash the check, I had to address the issue with Santander Bank. Upon speaking to Santander Bank, they had informed me that this was not their issue either. I went to the location in the XXXX and was told I need to travel to the state and bank where the money order had been cashed out, in Massachusetts. No one seems to want to resolve this issue for me and I have been trying for the last 5 years to get it resolved. I have reached out to the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and they then encouraged me to reach out to CFPB.
Consumer complaint received 2024-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Works & Lentz, Inc (OK)

XXXX XXXX XXXX - XXXX and their subsidiary XXXX XXXX - XXXX saw me on XX/XX/XXXX and XX/XX/XXXX respectively for medical issues that ultimately ended with a diagnosis and discharge from the hospital. I was never sent a bill and never informed in their payment/patient information portal My Chart that anything was owed. The injuries that led to the stay were the fault of another driver and a document sending them to XXXX was given to hospital staff at their request during my stay. Almost two years later on XX/XX/XXXX I received two letters from Works & Lentz , Inc, a debt collector saying I owed {$310.00} to XXXX and {$19000.00} to XXXX XXXX. It was sent to an old address but was forwarded to us and it was marked with what appears to be a very wrong and jumbled spelling of my name so my legal name is also not on any of the documentation.