davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are attempting to collect money for me for services located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not live in these states nor do I know anyone who does. 
Services were for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 
They have filed a derogatory on my Credit Report. Before this attempted collection my credit rating was over XXXX. 
I live in the state of XXXX and have lived here all of my life. I can not live in XXXX places at once. 
Also, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I work out of XXXX XXXX. I have had 3-4 background checks done. All show my addresses are in XXXX
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (UT)

My credit score - through XXXX XXXX  - is showing I missed a payment on my discover card. There is no missed payment on my discover card and I have not missed any payment to my knowledge. I have been paying on time. I am not sure if Discover is reporting this or if XXXX XXXX is pulling wrong information. However, I wanted to get ahead of this and dispute it as reporting on my credit score. The payment history page on the website of Discover is incomplete, however, I was never notified that I missed a payment or that a payment was due. I have had issues with Discover in the past, in that my card has been frozen and unused for over a year but the payments are inconsistent. The amount constantly changes and sometimes the bill does not post. This may have been what happened in XXXX or XXXX. There was no amount owed for the month on my account and therefore, I did not pay. This should not be reflected on my credit score. 

Please contact me at XXXX if you have any questions. 

XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, I am writing to formally file a complaint regarding an issue with my credit report, which has been inaccurately impacted by collections reported by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I noticed an unexplained XXXX decrease in my credit score. After reviewing my report, I discovered two collections that were added related to a car rental from two years ago. 

The rental involved a faulty vehicle from XXXX, which had multiple issues, including malfunctioning air conditioning, windows that worked intermittently, and problems with shifting gears. XXXX 's only solution was to return the car to XXXX XXXX, hours away from my location, which was not a viable option. I prepaid for the rental, and despite raising these concerns, XXXX did nothing to resolve the issue. I filed a dispute with my credit card company and after their investigation they decided in my favor and XXXX and the dispute was closed as of XX/XX/XXXX. 

After contacting XXXX to dispute these collections and provide documentation supporting my claim, I received a response stating, " WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. '' However, I strongly believe these charges remain unverified and unjustified, as XXXX did not conduct a proper investigation into the matter and XXXX XXXX  still has yet to verify the charges and send me any documentation.

I also attempted to dispute the two collections on my credit report with TransUnion. However, I encountered a significant limitation : TransUnion only allows one open dispute at a time, which unnecessarily prolongs the process and extends the negative impact on my credit score. When I contacted customer service via chat, I was informed that there is no way to have more than one dispute open at once, further delaying any resolution and leaving my credit report tarnished for a longer period. 

I request the CFPB 's assistance in investigating this situation and ensuring that my credit report is accurately updated to remove these invalid collections. This issue has caused a significant and unfair drop in my credit score, which continues to affect me financially.

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

What is the complaint about? 
" I am filing a complaint against Experian for failing to properly investigate multiple disputes regarding fraudulent charges on my credit report, which I believe are the result of identity theft. Despite providing substantial evidence, Experian has consistently disregarded my disputes related to specific accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX '' What type of problem are you having? 
" Experian has not conducted the necessary investigations into my claims nor made the necessary corrections to my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) and is highly damaging to my credit score. '' What happened? 
" Over the past several months, I have submitted multiple disputes along with identity theft reports filled with police station to Experian regarding the following accounts : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX Co ( Account Number : XXXX ) The disputes include issues with incorrect high balances, identity theft, inaccurate dates of last activity, re-aged accounts, reinsertions without proper notice, undated late payments, charge-offs listed as open, and collection accounts with limits. Despite this, Experian has continuously disregarded my disputes. ''
Consumer complaint received 2023-08-05
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: Kikoff Inc. (MD)

I have never opened a loan with Kikoff. I only had a credit builder account which I assumed was closed in 2022. I assumed thats where my payments were going to. In XXXX I got notification that my account was 90 days late due to lack of payment on a loan that I never opened for XXXX dollars and that my account was closed. The company keeps saying that someone logged into my account and approved it! I did not. I filed numerous complaints and a police report. I am being held XXXX and my credit continues to suffer.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NC)

On or about XX/XX/XXXX, I sent a check for {$30000.00} to Ally Financial for the remaining balance of a leased XXXX XXXXXXXX XXXX XXXX XXXX. The check was for the remaining purchase price of the car as agreed upon. Ally was suppose to send me the original title, the bill of sale and the lien release form so that I could retitle car in my name and place XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX as the lien holder. I agreed with XXXX XXXX  to refinance the car at a rate of XXXX % and a monthly payment of {$630.00} per month. This amount was {$85.00} less than the {$720.00} per month I paid leasing the vehicle from Ally. However, this deal was predicated upon me getting the title and retitling the car in my name, placing them as lien holder and sending the title to them for holding until I paid the car off. The problem is that Ally never sent the title to me or to XXXXXXXX XXXX although they claim they did. I asked for a tracking number but they could not produce XXXX. Ally claimed next they sent the title to XXXX XXXX however that was not the truth and XXXX XXXX never received it. Ally finally concluded as I had already concluded the title was lost. Ally stated that I could use a certified copy of the title to get the car retitled so they sent me XXXX but the State oXXXX XXXX XXXX DMV would not accept a certified copy of a title and demanded that I get the original or a duplicate title to retitle the car in my name and place XXXXXXXX XXXX as lien holder. I translated this message to Ally but to no avail and they simply told me that I could take the XXXX XXXX XXXX, the XXXX Holder Release and a Power of Attorney for Ally From XXXX XXXX ( the owner of record according to the DMV ) and that would be sufficient, it was not true and NCXXXX stated the same or if XXXX XXXX who at this time had submitted a form to the DMV to remove their name from the title. It has been over XXXX  months since I paid this car off and I still have not received a title from Ally Financial. This is very disheartening and unappreciated from a loyal customer who made every payment on time while in a lease with them. I reached out to Ally Corporate to file a complaint, their representative called me and took my information but nothing has happened and I am stuck in Limbo with a car, no title and my rate has been increased to XXXX  % by XXXXXXXX XXXX, my new payment is {$880.00} per month and I have had to work with XXXX XXXX from XXXXXXXX XXXX to try and get my rate back and lower my payment. I received a call from Ally Financial ( XXXX XXXX ) and she stated that herself and others are still trying to get the title released by XXXX XXXX, it has been well over XXXX months and I am still without a title.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-01
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. (IL)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX and list of Inquiries 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 2022-07-27
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. (GA)

XX/XX/2022 I sent certified letters to Experian, XXXX, and XXXX regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XXXX XXXX, 2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from XXXX, XXXX, or Experian.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (CO)

Attempted to login on XXXX XX/XX/2002 unexpected error occurred I followed al steps recommended to include reenrolling and changing user name and password the following occurred addressing the sam isuue ..New User Registration Notification Case # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subsequent attempt to resolve the issue have met with no resolution and multiple emails stating a representative would respond which happened twice out of ten times with still no resolution verbal contact is futile with reps in Nebraska and where else do not know, being courteous but not helping.
Consumer complaint received 2022-07-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (AZ)

I began the refi process with our current mortgage company in XX/XX/2022. By XX/XX/2022, we had still not gotten anywhere in the process so we canceled the refi and decided to sell our home. We are now under contract with our buyers and also under contract with a seller of our new home. The buyers lender is unable to order the appraisal because Planet Home Lending has not canceled the FHA refi. I have called numerous times to ask them to cancel. The manger in the XXXX department, XXXX XXXX told me on XX/XX/XXXX it was closed on XX/XX/XXXX. As of today XX/XX/XXXX it has still not been closed. I have sent many emails on XX/XX/XXXX as well as many calls to XXXX and his department and they refuse to speak to me. I spoke with 2 different people in customer service and they told me that the refi is still open and unfortunately I have to go through XXXX 's department to get it canceled and closed. I tried calling the XXXX department to speak to a different XXXX and a guy named XXXX answered my call. He said I needed to speak to the service department and transferred me in the middle of my sentence. Customer service was unable to assist since the XXXX is still open, she offered to transfer me directly to XXXX XXXX and when they did, they were told he would not take my call and that someone would contact me by the end of the day. They were just as baffled as me with the lack of customer service in the retention department and shocked they refused to take my call over what should be a simple fix. I have received no help with this company and it might end up costing me the sell and purchase of my new home. I have had my realtor contact them as well. The buyers lender has also gotten involved.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2021 I sent a letter to the BK court in XXXX XXXX, NV, and asked how and with who they reported my information about my BK and they stated the BK court does not report information to any credit bureaus. So in return, I wrote a letter to the company that is reporting my BK and asked them what was their process for verifying the BK that they are reporting and after the credit bureaus stated that they got the information from XXXX. On XX/XX/2021, I received a letter from XXXX stating that they received my correspondence and the investigation was completed the findings followed, they deleted the information from their records case number XXXX because they were unable to verify the accuracy of the bankruptcy within the required timeframe outlined by the FCRA and it's removed from the record of my XXXX report. I then sent the letter from XX/XX/2021 from the United States Bankruptcy Court District of Nevada and the XXXX report stating all this information and then sent a letter back stating that it's verified through XXXX. This is IMPOSSIBLE when there is no record of a Bankruptcy on my XXXX report. I want this DELETED IMMEDIATELY from all 3 bureaus because it's not 100 % ACCURATE at all! My personal information is as follows and any other names, addresses, or employment also needs to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ADDRESS, XXXX XXXX XXXX XXXXXXXX XXXX XXXX THIS INFORMATION SHOULD ONLY BE REPORTED.
Consumer complaint received 2022-07-27
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. (NV)

On XX/XX/2021 I sent a letter to the XXXX XXXX in XXXX XXXX, NV, and asked how and with who they reported my information about my XXXX and they stated the XXXX XXXX does not report information to any credit bureaus. So in return, I wrote a letter to the company that is reporting my XXXX and asked them what was their process for verifying the XXXX that they are reporting and after the credit bureaus stated that they got the information from XXXX. On XX/XX/2021, I received a letter from XXXX stating that they received my correspondence and the investigation was completed the findings followed, they deleted the information from their records case number XXXX because they were unable to verify the accuracy of the bankruptcy within the required timeframe outlined by the FCRA and it's removed from the record of my XXXX report. I then sent the letter from XX/XX/2021 from the United States Bankruptcy Court District of Nevada and the XXXX report stating all this information and then sent a letter back stating that it's verified through XXXX. This is IMPOSSIBLE when there is no record of a Bankruptcy on my XXXX report. I want this DELETED IMMEDIATELY from all 3 bureaus because it's not 100 % ACCURATE at all! My personal information is as follows and any other names, addresses, or employment also needs to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ADDRESS, XXXX XXXX of XXXX XXXXEMPLOYMENT . THIS INFORMATION SHOULD ONLY BE REPORTED.