davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kimball, Tirey & St. John LLP (CA)

ok so this company KIMBALL, TIREY ST JOHN LLP has ruined my credit for the last 3.5 yrs and keeps charging interest every month year to date over XXXX in interest charges not sure if thats legal, i called the number provided and tried to explain to him my old girlfriend used my name on a lease without my permission and i am not responsible for this debt this rude gentleman responded by saying there going to freeze all my assets they already have a Levi on my checking account in the middle of a pandemic i asked him are you guys lawyers because i keep getting these intimadating intimidating letters with big bold letters saying the law offices of KIMBALL, TIREY ST JOHN LLP TURNS OUT THERE JUST DEBT COLLECTORS AND NOT REAL LAWYERS THIS IS A MISLEADING SCARE TACTIC AND A VIOLATION OF 15 U.S. CODE 1692E ( 3 ) ( 10 ) ( 14 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

OK SO LETS TALK ABOUT THE ACCOUNT STATUS IF THIS A COLLECTION THE ACCOUNT STATUS SHOULD BE CLOSED IF ANYTHING WHY WOULD THE ACCOUNT BE OPEN ALSO THEY KEEP PLAYING AROUND WITH THE ACCOUNT IN XXXX LAST YEAR THEY CLOSED THE ACCOUNT PROOF IN THE ATTACHMENTS THEN A FEW MONTHS LATER IT REAPPEARED OPEN WITHOUT MY WRITTEN CONSENT WHICH IS ANOTHER VIOLATION THE DATE OF LAST ACTIVITY IS INACCURATE FALSE REPORTING TWO DIFFERENT DATES THE LAW CLEARLY SAYS IT MUST BE 100 PERCENT ACCURATE THIS COMPANY IS ALSO NOT REGISTERED WITH THE ( DFPI ) PURSUANT TO THE NEW ( DCLA ) DEBT COLLECTOR LICENSING ACT NEW CALIFORNIA LAW
Consumer complaint received 2022-06-19
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my XXXX credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote XXXX a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay XXXX wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

COMPANY : TOYOTA MOTOR INQUIRY DATE : XX/XX/XXXX Attached is the letter i wrote to XXXX and the letter XXXX wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-19
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

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 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im unable to receive a valid credit score. After telling them to remove derogatory information on my credit report. According to 15 USC 1692 C ( c ) when a debtor refuses to pay an alleged or valid debt. The creditor must cease and desist all attempts to collect a debt. Including but not limited to credit reporting.
Consumer complaint received 2021-12-31
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. (CA)

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my XXXX, XXXX, and Transunion Credit Report. 
I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Nissan Motor Acceptance Corporation XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a Nissan Motor Acceptance Corporation representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase.

There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the Nissan representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. 

Without any communication or notification from Nissan both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, Nissan either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. 

My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with XXXX, XXXX, and XXXX directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with Nissan Motor Acceptance Corporation to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if Nissan refuses to resolve this matter amicably and rectify their mistake/oversight. 

Please let me know if any further information is required for this complaint.
Consumer complaint received 2023-05-06
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. (TN)

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

I called XXXX and made a payment and closed the account, now Im receiving emails about owing them and they keep adding more late fees to the account and no one is trying to help, theyre saying theres nothing g they can do because the account is closed.
Consumer complaint received 2022-05-30
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: Early Warning Services, LLC (IL)

REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., Burke V. Experian info sols., inkXXXX, XXXX WL1085874 at *4 ( E.D Va XXXX ) Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting XXXX  third new international dictionary 133. 1396,1771 ( XXXX ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. 

XXXX XXXX  -account # XXXX
Consumer complaint received 2022-05-30
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Restoration Services (NJ)

I explained to them DRS  that because I have no signed agreement with them and this account has been charged off I do not owe them. They must provide me with verification that we have entered into a contract. We have not. The law states that they must prove that I owe them ; that I entered into an agreement with them. They have not proved this ; they conceded that we have no contract/agreement, that the credit company wrote it off and in fact has given me another account. I have tried unsuccessfully to have this removed from all of my credit reports. It is unethically and unlawful. Please remove off of all 3 reports.
Consumer complaint received 2021-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Business Factors (WA)

I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider This left me with a responsibility of {$250.00} to be paid to the provider. I use an XXXX through connect your care powered by XXXX. I have paid many medical bills through this process over the past 5 years with no issues until this one. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report for the exact amount that I have confirmation/proof of payment. I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution. The only way I have been able to get response to any request is through this system as National Business Factor phone lines are always busy ( I have tried more than XXXX times now ), and the doors are locked ( Yes... I actually went in person ). After almost 9 months of continued efforts, I have finally gotten all of the relevant documents to see what the debt is and how my insurance failed to pay the correct provider. My insurance XXXX account showed paid and never realized the check was never cashed by the provider. I am now looking to pay the debt and have the collections removed from my credit report as this was an error by the XXXX provider AND the only reason it got to this point was the failure of communication from National Business Factor.
Consumer complaint received 2022-05-26
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. (TN)

I HAVE A FRAUDULENT ACCOUNT LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY.
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I cleared my Credit card bill in XX/XX/XXXX before leaving XXXX. 
One year later while i was in XXXX BOA add XXXX $ bill to my credit card which i never used as i was out of XXXX. 
My BOA checking and saving account were closed. 
I was not able to pay XXXX $ bill as i my account were closed and i did not had access to BOA due to being in XXXX. 

I came back XXXX in XXXX and found that BOA charged off {$15.00} bill and its reflecting in my credit report. 

I am unable to get apartment on rent just because of XXXX $ charge off issue by BOA.
Consumer complaint received 2022-03-15
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. (PA)

Hi, my name is XXXX XXXX XXXX I am contacting the bureaus ( Experian ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
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. (AZ)

There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this late payment represents a cancellation of debt and not an outstanding obligation, it should not be classified as a late payment. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXXXXXX 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 XXXXXX/XX/XXXX