davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (NC)

On XX/XX/XXXX, I reported my XXXX XXXX was stolen. I contacted the XXXX, NC XXXX county police department and the insurance company. I found there was no theft coverage on the policy. I was told that Exeter automatically puts full coverage on the vehicle when collision is dropped. There was no coverage. I received a phone call on XX/XX/XXXX the car was found at a tow wreck yard It was stolen, wrecked and not drivable. The airbags were deployed. I picked it up and paid {$190.00} for storage and tow fees. I picked it up because I knew I could not afford storage fees Thank God I got it because it would still be sitting in the tow yard and billing me. When I saw my car, I cried. I had it towed home and was told by XXXX care they could not cover the repairs due to theft. I never received any mail or documentation of such ; however, XXXX did not cover the repair. I received a personal quote including air bags that deployed. I was told my XXXX and XXXX XXXX the truck was totaled. I called Exeter on XXXX and was told they were going to repossess the vehicle for nonpayment. I was then told they would come get the vehicle as a voluntary repossession. I contacted Exeter on XX/XX/XXXX asking for paperwork or correspondence showing they would repo or voluntarily repo the car or at least send someone to look at it. On XX/XX/XXXX, i reached out and was told there was an open investigation. I advised them i just needed proof that the car was being worked on their end as far as repo or voluntarily repo. The car is still in my driveway as of XX/XX/XXXX. I just ask that the car is taken off my credit due to this vehicle not being able to drive and was stolen and I can not afford to pay for the car. Due to the theft, I lost my job, and I am facing an eviction due to not being able to make money to pay my bills.
Consumer complaint received 2023-03-30
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. (MD)

I am writing concerning inaccurate negative reporting on my Experian credit report for a credit builder account I had with XXXX XXXX XXXX. This account is reflecting that my account was 90 days late as of XX/XX/XXXX for a balance of {$12.00}. 

In XX/XX/XXXX, I opened a credit builder account with XXXX. As of today, XX/XX/XXXX, this account is negatively affecting my credit for a balance that I do not owe. My original credit limit with XXXX was {$12.00} when I opened my credit builder account in XX/XX/XXXX. I never used this credit limit to make purchases with XXXX, or any other institution. I do not owe a balance to XXXX that I never used. 

I have attempted to dispute this account with XXXX XXXX XXXX and Experian and have reached no resolution with either company.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX LA XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (OH)

I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-09-27
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: Velocity Portfolio Group (GA)

Velocity Investments , LLC XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Listed Amount Due : {$10000.00} I contacted the collection agency asking them to verify the debt and not to report this on my credit and they did so anyway. They received my information illegally and called me multiple times during work. They have not responded to my email letter in over 20 days. Under the fair credit reporting act, this should be removed immediately.
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC (NC)

With reference of my previous complaint, XXXX The same loan Greensky is closed, however they are charging monthly fees, and calling and threatening they will report to credit bureaus. Already they reported as part of retaliation it actually impact my payment history. 

Last time didn't see a response from CFPB, so I called and enquired CFPB by the time the response window was over. 

IF CFPB is unable to support me then what other options do I have?
Consumer complaint received 2022-10-12
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. (IL)

I did not open XXXX XXXX  account # XXXX This is a fraudulent account I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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: LEXISNEXIS (DE)

My Name, Address and other information being reported inaccurately. I have disputed things I was told you investigated and the information was accurate. You are giving my private and false information with out my knowledge or consent not only is it identity theft and fraud its against the the law. FCRA 609 ( 15USC 1681g ( e ) ) also you investigation should have been you contacting my neighbors, friends, family. Please send me names, phone number and address of anyone you spoke to. The CRA or Debt collector can not be the entity that gave you information that claim you investigated and claimed to be acutely investigated.
Consumer complaint received 2022-10-13
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-08-31
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: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE (AL)

A XX/XX/2022 letterhead from XXXX, XXXX of the President at Barclays attempts to address CFPB complaint XXXX by dodging all complaints and counts, which were legitimate and well grounded. Most important in the letter is statements about an account ownership letter being accepted as [ acceptable account owership proof ] which XXXX Bank drafted, I submitted on XX/XX/XXXX and resubmitted on the XXXX to XXXX from my email address. Today, XX/XX/2022 not even one email reply back has been received back. CFPB complaint XXXX response, indicated only a .jpg image was received for verification of the account. This is false and records printed reveal via email and in the complaint the verification letter is included in a .pdf format. Here, also, the compensatory damages request was declined. I am now seeking {$15000.00} in compensatory damages because of my claims and allegations which are fully supported and here, appear to be scurried and drifted off as baseless. This is simply not the case. It will be shown, a wide spread matter, and an alarming matter of banking neglect has caused harm.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX  - BALANCE {$3700.00} Account Name : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX BALANCE {$3200.00} Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OH)

This company claims they purchased a debt from charter communications, which I do not have any accounts with at all, the rep over the phone refused to give me any information or validate the debt but instead chose to hang up the phone. I am asking for them to stop all collection attempts and remove any invalid information from my credit report until we verify the original debt. 

the debt was for XXXX, on XX/XX/2022 the phone rep made a threat to place it on my credit report unless I immediately paid this. with no verification. then she disconnects the call. 
I repeat I do not have an account with XXXX or XXXX communications.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Background : It has been confirmed that the car loan previously associated with this vehicle was fully satisfied and paid off as of XX/XX/year>. Evidence of this full payment was formally acknowledged by your institution, and the title of the vehicle was subsequently transferred legally into the XXXX XXXX XXXX XXXX XXXX Documentation confirming both the payoff and the title transfer are held by the Trust and have been previously furnished to your office. As well as attached to this letter.

Issues : Despite these clear and lawful actions, XXXX XXXX XXXX  has continued to assert that a debt is still owed and has pursued collections activities. These actions include communication attempts to collect a debt and reporting of this alleged debt to credit bureaus, thereby damaging the My credit standing and reputation.
Consumer complaint received 2024-10-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

An account was opened XX/XX/year> that I have no clue about. Checked my credit report and notice this account in collection for {$1100.00}. I never opened this account because XX/XX/year> I was staying at another address and had lights with XXXX XXXX. I dont even know the person who got this account.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is reporting a debt on my 3 credit reports and I've never done any business with them. I don't know much about them other than what I've read that they are known for trying to scam consumers out of their money with unverified account information. Because I've never done any business with them I demand to see verifiable proof of the original contract bearing my signature that I signed for this debt. Also a copy of payment history from the original creditor that I supposedly did with them. Name and address of the original creditor and proof that you either own or have been assigned this debt to collect. Failure to provide proof within 30 days of receipt of this complaint will leave me no choice but to exercise my rights under the Fair Credit Reporting Act 15 USC 1681N and 15 USC 1692g which I've never received anything from this debt collector.