davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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 — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (OH)

XX/XX/XXXX, I Reached out to the Main CRAs requesting a updated copy of my credit report, upon reviewing I noticed that a auto loan ( EXETER FINANCE ) was erroneous reporting inaccurate information on my profile putting me as a consumer at great risk and jeopardizing the integrity of my credit, so I decided to challenge the inaccuracy Exeter Finance put on my credit profile, as a consumer which I have the right to take any action I feel is necessary to make sure everything on my credit is as it appears 100 % accurate, well while doing so I stumbled across some information that was reported in accurate so I reached out to the 3 credit bureaus asking can this issue get a further investigation unfortunately only response I received from the credit bureaus was that the information was verified accurate which in fact is false I know this for a fact because I have via certified letters from the direct furnisher to support my allegations, so I found what the credit report reported was not only invalided but by law I believe they have violated the FCRA laws with what they have allowed to be reported as accurate unfortunately. Not only did they say back in XX/XX/XXXX they had the vehicle in there possession which was being auctioned off at one of there facilities but also the opening bid will open at {$7200.00} how is that so when XXXX XXXX when I reached out regarding this account they say the balance is still {$28000.00} thats contradicting not only for EXETER FINANCE BUT ALSO FOR XXXX, XXXX, XXXX with what they have allowed to be reported in the first place while being non compliant, I have invested time, energy and money into getting justice for this battle between us I believe also that this account is out of the statue of limitations, Im asking that you remove this account off of my credit report Expeditiously once removed please send me confirmation via letter of removal Thanks.
Consumer complaint received 2022-03-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Well I have Auto Loans, Mortgage loans, credit cards, Home Equity, XXXX XXXX cards XXXX Bank of America, Retail cards.Social security, My Refunds. I can't call out or receive calls. Someone is Using My information. And I want it to Stop! Please Help .My number is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021 I notified XXXX, XXXX, and TransUnion about a Federal Violation about my consumer report. 15 USC 1681b Permissible Purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave XXXX, XXXX, TRANSUNION any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. 
Concerning the account listed below as a consumer, I am demanding a deletion of this account. 
XXXX XXXX XXXX  ACCOUNT # XXXX
Consumer complaint received 2022-03-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter to Transunion because an account that i paid for with the original creditor was sent to collection in false. I am highly upset because I am buying a house in 3 months and I need this rectified asap!!!!! It has been more than 30 days and I still have not received a response!!!
Consumer complaint received 2022-03-08
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. (GA)

XXXX XXXX has an account on my credit report that is fraud, I am now suing XXXX for a data breach that cause my information to be exposed and I have accounts on my credit reports that are showing up please delete this account as I have hired an attorney for legal assistance for the fraud and the data breach my information has ended up on the dark web and these companies has used it as fraud now Im disputing this information XXXX XXXX, I have filed a ftc identity theft report about this company, I want this off my credit report, identity theft report is the same thing as a police report and I have turn that company over to the attorney generals office in ga
Consumer complaint received 2022-03-08
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 — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/XXXX, I paid my Regions Bank credit card payment in the amount of {$62.00}. Last week on XX/XX/XXXX, I was notified my XXXX payment as not received and my account was delinquent over 31 days. Immediately, I contacted the proper personnel within Regions Bank in regards to this discrepancy. I provided my XXXX bank statement showing my payment for {$62.00} being made on XX/XX/XXXX. On XX/XX/XXXX, I contacted the CEO of Regions Bank and several personnel under him regarding this matter. The collections department contacted me on XX/XX/XXXX, and they have been giving me a very hard time! I have explained the situation to them and they refused to remove this discrepancy from my credit report. Today, XX/XX/XXXX, XXXX XXXX stated, the bank statements I provided her was not sufficient enough to remove the negative remark from my credit profile. She further stated, Regions bank never received my payment nor did I make payment in XXXX. This is really embarrassing!! XXXX XXXX called my last week making false allegations in regards to my account as well. I even went further to ask for her contact information ; however, she lied and stated, I do not have a direct number to contact me back at. Again, that was another lie she told because, she gave me her number last year when they lost my loan payment I made in XX/XX/XXXX. I am in the process of purchasing my first home and they is really affecting me. I am very stressed out and Regions does not care. I have had my credit card account for over 7 years and I have never missed a payment nor have I been late. I have offered to pay the account in full long as they remove the negative remark and they will not budge. This is not the first time Regions Bank has lost or misplaced my payment and reported it wrongfully to the credit bureaus!! The representative XXXX XXXX and XXXX XXXX told me not to contact the corporate office anymore regarding my complaint because they will not make them change their minds in regards to removing this negative remark from my credit profile. Can you please assist me?
Consumer complaint received 2022-03-07
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. (NY)

I sent the credit reporting agency an FTC ID Theft Affidavit over week ago along with proof of identification. After following up to confirm receipt, I was informed by a representative that my Driver 's License was illegible and that I needed to resubmit. I then uploaded the required documents again and then followed up a couple of days later. Since then I have spoken with several agents and have received several conflicting instructions including one that told me to re-upload and confirm receipt two hours later, another that gave me a fax number to send it to, which I did. I was then later told by another agent that Experian doesn't have a fax #. So, at this point, I keep getting different information every time I speak with someone new and my issue has yet to be addressed.
Consumer complaint received 2022-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

A debt appeared on my credit report with no notification. When I contacted the company for verification they said they would send it. I did not receive anything. Then when I reached out again they said they would settle for 50 %. I explained that I had no idea where the debt came from and was told that I would receive a email. I still havent received anything from the company.
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account # : XXXX Account # : XXXX These accounts have been determined that they do not belong to me yet you still continue to report this inaccurate information to my consumer report.These accounts do not belong to me. The name these accounts are addressed to is not my name. This fact alone is enough for above mentioned accounts to be deleted, but they are more inaccuracies found. I called TRANSUNION rep, and asked for fraud department. After being transferred, I was told I have to send in a picture ID and bill even though rep located both mentioned items in their agency 's database. I was told I have to resend my ID and bill no matter what. TransUnion has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer. On XX/XX/2022 I sent a notice via USPS certified mail demanding deletions of above mentioned accounts. Enclosed is a copy of my California state issued ID, and a copy of a bill statement to establish my accurate residency. Also enclosed is my consumer reports where I point out that the fact that XXXX is furnishing inaccurate information from debtor name CHILD SUPPORT ENFORCEM to my consumer report under Account # : XXXX. While the debtors name TRANSUNION LLC is furnishing to my consumer report is under XXXX XXXX ( Account # : XXXX ). XXXX recently deleted the account named under XXXX XXXX XXXX., Account # : XXXX. 
TRANSUNION LLC refuses to update my personal information even after providing them my California state issued ID and a bill statement containing my up to date address. 

TRANSUNION is unlawfully furnishing Account # : XXXX DEPT OF EDXXXX, and is the only CRA reporting this inaccurate information.XXXX  and XXXX has deleted DEPT OF ED/XXXX item from my consumer report. TRANSUNION has been made aware many times in writing by me, a consumer, about the FCRA laws they are violating and the agency chooses to ignore the law. See attachments. 
These accounts are not assigned to my name making my consumer report inaccurate. If by some chance this alleged debt belongs to me, which I highly doubt it!!, XXXX has never produced items pursuant to 15 USC 1692g ( b ), which I requested multiple times. 

I am making complaints with the CFPB, FTC, XXXX, CA and PA state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.
Consumer complaint received 2022-03-07
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. (GA)

SS # : XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX Ga XXXX My only employer is XXXX XXXX XXXX  There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2022-03-07
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. (OH)

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had late payments on my past mortgage with XXXX XXXX  XXXX XXXX in XXXX two of them. I sold the home on XX/XX/XXXX. I asked Transunion to remove the late payment as it was affecting my credit rating/score and they said they could not. They advised me to have XXXX XXXX XXXXXXXX remove it from my account. XXXX XXXX XXXXXXXX advised me that they are only reporting what happened during the course of the loan by law and that they can not remove those late payments from the account which I understand. I went back to Transunion and they said that XXXX XXXX XXXXXXXX can write me a good fate response in regards to those late payments. XXXX XXXX XXXX said they do not write good fate statements for this type of request and that all the credit bureaus know this. I went back to Transunion and they advised me to contact you guys ( CFPB ). I have been at this since the last week of XX/XX/XXXX trying to have Transunion remove this late payment from their record since the loan was paid off in full. They told me that this late payment is set to be removed in XXXX. My argument is since the loan was paid off in full, no foreclosure or bankruptcy why keep the late payments on my report for 6 years.
Consumer complaint received 2022-08-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( XX/XX/XXXX ) ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( XX/XX/XXXX ) ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( XX/XX/XXXX- XX/XX/XXXX ) ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-03-07
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. (TX)

its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill haveng hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-07
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. (NV)

The XXXX  system doesnt not provide complete social security numbers because it would be against privacy laws. Similarly companies such as XXXX, XXXX, and other third-party sources can not be 100 % accurate in the provision of their information to credit reporting bureaus because it would be against the fair credit reporting act. For the credit reporting bureaus to make this claim it would that my privacy most certainly has been violated. The CFPB is designed to protect my privacy and false reporting of information these bureaus can not claim to have. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Global Lending Services LLC (MI)

The vehicle was current payments by the title holder, myself. The vehicle covers gap insurance at the time of purchase, and full coverage. The vehicle was totaled/total lost. The Global Lending Service Lender picked the vehicle up without prior authorization from the title holders, and the policy insurance company policy holder. No insurance authorization, title holders lawyer being contacted. I do not old the lender as the lender made threats to the title holder to reprocess the vehicle and to sale it at auction. Without allowing the lawyer to go through litigation with the title holder insurance company, or without the gap insurance coverage being applied. The XXXX XXXX  value on the vehicle shall represent the cost of the vehicle, or and the vehicle shall not be charged to the title holder as she is currently XXXX  from the total loss and automobile accident. After the Lien holder retrieved the vehicle before litigation process. The Global Lending service shall take full responsibility of the loan and remove the amount from further obligations of {$21000.00} Auto loan if the lawyer and its client has not been giving proper notice to sale, trade, or retrieve the vehicle for total lost inspections, with out prior notice. The lien holder is held accountable for not properly handling the insurance policy documentation, or requesting the insurance on the vehicle as the lien holder. Breach of contract, as the title older shall not further carry on the burden of the balance as the lien holder is in possession of the vehicle and will put the vehicle up for sale @ auction price possibly XXXX XXXX  value. This shall remain and stand in the court of law of the lien holder breach of contract to maintain proper documentation, insurance policies of the vehicle as the lien holder, Overseer. The lending company did not comply on any paperwork to deem the vehicle a total loss, as should have been done through litigation by my attorney as a process.