davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name 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 XXXXccount Number : XXXX
Consumer complaint received 2019-10-23
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. (FL)

I have contacted XXXX multiple times to close the fraudulent credit account and remove all information from my report. I have submitted copies of my police report, FTC identity theft report, FBI IC3 form, and proof of identity. They have failed to provide any proof of who and where the account was opened. They claim my letters ( which are provided by the FTC for identity theft victims ) are on the behalf of a credit repair organization and therefore are not obligated to investigate. 

On XX/XX/2019 I received a package from XXXX. On the same day XXXX comes to pick it up claiming the sender had sent it by mistake. The following week I receive a welcome letter with XXXX XXXX. 
XX/XX/2019 I contact XXXX fraud department to initiate an investigation. I placed a fraud alert to the credit bureaus. 
XX/XX/2019 I have received no response from XXXX so I check my credit report to find that the fraudulent account is being reported. I initiate a dispute with credit bureau Experian. 
XX/XX/2019 I submitted a dispute letter to XXXX with an FTC report and police report. The dispute is closed at Experian as it states XXXX finds the information accurate ( my information was stolen and used so of course it would match ) XX/XX/2019 I submitted a dispute letter to XXXX XXXX account services which has a different address listed. I send a letter to Experian requesting to block the information from my credit report directed by section 605B of the Fair Credit Reporting Act. 
XX/XX/2019 XXXX responds claiming no suspicious activity XX/XX/2019 XXXX responds that they find my letter to be prepared by a credit repair organization ( which it is not as the FTC provides the letters to identity theft victims ) so they will not investigate. 
XX/XX/2019, I found that the fraudulent account now appears on XXXX  report so I send a letter requesting the information to be blocked from my account as directed by section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TD BANK US HOLDING COMPANY (CA)

I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit
Consumer complaint received 2019-10-21
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. (AL)

THE ACCOUNTS XXXX XXXX AND XXXX XXXX IS NOT REPORTING ACCURATE INFORMATION ON ALL TREE OF MY CREDIT REPORTS, SUN LOAN WAS INCLUDED IN BANKRUPTCY AND SHOULD NOT BE LISTED ON MY CREDIT REPORTS, ALSO XXXX XXXX XXXX   SHOULD NOT BE REPORTED AS LATE IT IS A CLOSED ACCOUNT AND PAID IN FULL. THE TWO LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX SHOULD NOT BE REPORTING AS LATE ON MY CREDIT REPORT.
Consumer complaint received 2019-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Danco Financial Services, LLC (GA)

This company is an absolute rip off! These people need to be shut down they are crooks stealing and trying to take people 's. I dealt with XXXX of Danco Financial who came and repossessed a vehicle that should have never been taken in the first place. I had a payment arrangement set up and paid half of it like I was suppose to yet they still came and got the car. I don't understand how this company is still in business. When you call all you hear is XXXX music while on hold. I'm sure they have done this to a lot of people. They pray off o those who have less then perfect credit and are unable to get a vehicle at a normal dealership. I wish you all would really investigate the deals and complaints you have from this company. I bet there would be a class action lawsuit regarding all of their practices.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I applied and was approved for a USAA card and a card was supposed to be mailed to me within 10 business days. When I did not receive the card within that time I called USAA and they told me that the card had been activated and used to make over {$9000.00} in charges at XXXX, XXXX XXXX, and a vending machine. I disputed these charges and the XXXX and vending machine charge were removed. USAA determined that the remaining {$4000.00} did not have sufficient evidence of fraud despite my assertion that I did not make these charges and evidence I provided to back up the claim. The person who activated the card used a phone number that appears on my credit report, but is a fake number that I have never used and no telephone company has any record of being in service. They supplied personally identifying information, which I believe to have been obtained through a data breach at XXXX and possibly USAA itself. Apparently the receipt at XXXX XXXX has my named typed onto it and the vendor is saying that someone would have had to show an ID in order to make the purchase.
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
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: BMW Financial Services NA, LLC (PA)

XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$20000.00} {$20000.00} XXXX XXXX XXXX {$0.00} Paid, closed 12 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$0.00} {$33000.00} Payment Info Status Paid, was a  repossession Updated on XX/XX/XXXX Past due amount - Original loan amount - Monthly payment -
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I went to a local bar. Ordered food and drinks. The bill came to XXXX. I handed them my credit card. When I signed the slip to return to the bar. I wrote in to add a {$5.00} tip. The next day the owner called me and said the bartender accidentally made the tip {$120000.00}. They said they would contact their merchant and stop the transaction. My account limit is only {$8500.00}. I figured it would get declined if they didnt get it stopped. The bar called me the next day claiming it was fixed. Three days later it posted and was approved. I saw it using my credit card app. So I called the company and disputed it. Obviously. The next day XX/XX/XXXX. The credit card company and the bar both returned the {$120000.00}. So now my credit card showed negative. I contacted my credit card company again to fix the problem. It took till XX/XX/XXXX for them to rebill me. However they processed it twice. So it was two {$120000.00} chargers on my account. Showing again for the second time that I owed {$120000.00}. I called my credit card company back again. They saw the issue and said they were fixing it. I should see it in 3-5 days. It wasnt fixed. So I called again. I talked to their manager. She said she fixed it. I was on hold for over 30 minutes. I was told I should keep checking my transactions to see it was corrected. Again ... after another week it was not. XX/XX/XXXX it still has not been fixed after calling many many times. I now received and email from credit karma. Because of such a high balance and over my limit on a credit card. My score went from a XXXX to a XXXX. Right while I am in the process of buying a home. I called the credit card company on the XXXX of XXXX. To talk to the highest superior in the building. After over an hour. They reassured me that it was fixed and I should see it in 3-5 days .... they would not send me proof in paper or email of it. They also said they sent a dispute to the credit bureau. But that will take 30-90 days before they even look at it. All I did was buy dinner. And this company has been ruining my life with not getting anything done. My credit card is locked bc it claims I owe {$120000.00}. And now my credit is ruined and I lost the house I tried to buy. This needs fixed and no one is willing to do anything about it.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been a victim of Identity theft and this has been on ongoing issues with this company. On XXXX @ XXXX am ( tracking # XXXX ) Transunion received one of several dispute letters regarding fraudulent established accounts that are being reported on my Transunion credit report. A police report containing the accounts in question was and has also been included with the past several disputes I have sent to Transunion as well. On XXXX @ XXXX pm ( tracking # XXXX ),  Transunion received a dispute letter on my behalf regarding the same fraudulent accounts that they continue to list on my Transunion credit report. I have stressed the negative financial impact to Transunion this has taken on my personal financial status, sent in supporting documentation, and yet Transunion still continues to violate my consumer rights under the Fair Credit Reporting Act, Section 605b, 609, and 611. It has been well beyond 30, 60, and 90  days and no proof of accurate verification or original correspondence have been provided by Transunion as per the Fair Credit Report Requires. I have provided more than the necessary documentation supporting my claim and yet nothing is being done about the situation.
Consumer complaint received 2019-10-21
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: EQUIFAX, INC. (FL)

Multiple accounts that are incorrect are reporting on my credit reports 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
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-20
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$19000.00} -This is not my account.
Consumer complaint received 2019-10-20
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. (FL)

XXXX XXXX XXXX Account Name XXXX XXXX Collection account. {$1400.00} This was already resolved/resolved by XXXX  but is still reporting to the other two credit bureau experian and XXXX This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from experian be cause by information was compromised they are completely aware of this.
Consumer complaint received 2019-10-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Dear CFPB agent, I'm writing to file a complaint against Lexus Financial Services for its unlawful recall of a leased car in my possession on XX/XX/XXXX. 

In XX/XX/XXXX, my sister and I went to Lexus of XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) to seek for a car either to lease or finance. At the end of the day, I leased a XXXX XXXX XXXX for three years. On the lease maturation date, my sister and I went back to the dealership ready to finance and buy the car. The dealership, instead of assisting us with the purchase, asked us to independently seek out a bank to finance the car. They had zero intention to help me find a lender to finance the car. Because it was a few days before XXXX, I didn't have a choice but to call Lexus Financial Services to extend the lease for another 6 months. That was around XX/XX/XXXX when the lease was extended. On the phone, I was never told that it was the last time for a lease extension. Meanwhile, I continued to pay ( via its auto pay website ) throughout the process and never missed a payment. 

In XX/XX/XXXX, because of work and traveling plan, I failed to find a lender in time to finance the car. After a few phone communications with Lexus Financial Services, I found that I was only able to do month by month lease for another 6 months, which I agreed to do as I had traveling plans right then. The agent on the phone instructed I would need to return the signed document by mail or fax upon receiving the document via mail. The agent also noted my time away from the country and collected the monthly payment on the phone. 

When I returned, I sent in the required documents to Lexus Financial Services. Amid the changes, I continued to pay online without missing any payments ( document attached ) here. 

On XX/XX/XXXX, Lexus Financial Services seized my car while I was at work. When I called the company, I was informed that my paperwork was sent in late. However, the agent on the phone also acknowledged that my current address was never updated. She made a note on my file regarding the incorrect address on file. 

Currently, my car is sitting in a lot. I was told that the company will take 2-3 business days to general a " re-sell '' document. Without this document, I'm not able to find any lender to start the financing process. I was told that I'm also responsible for a number of fees in regards to the car in possession by a private company. If I decided not to buy the car, I would be responsible for the fees sitting in the lot, as well as other auction fees. 

This company has zero intention to properly serve its customer. While it is collecting the payment, it failed to communicate any late paper work needed to amend. In addition to its lack of effort to assist its customers, many hidden fees are forced on its customers without proper communication. 

I'm asking the bureau to help mediate this matter. Thank you for your assistance.
Consumer complaint received 2019-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (MI)

This debt appeared on my credit report and i contacted the company regarding this debt and provided the account number listed but to no avail my issue was not resolved. i was not provided proof of the contract I signed or if this debt is even my debt. I disputed this claim solely on the basis that i have no knowledge of this account and the company will not provide the neccesary proof that this is my debt. The debt is for {$2600.00} and {$850.00} and I have been damaged by this matter from not being able to access credit from other organizations.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute letter via certified mail to have XXXX  XXXX XXXX Acct. # XXXX {$240.00} to be deleted from my credit report. Dispute letter was mailed XX/XX/2019. This account is still showing up on my credit report as of today XX/XX/2019.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute letter via certified mail to have the XXXX Account # XXXX {$360.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019 and a follow up letter was mailed after waiting 45 days. This account is still showing up on my credit report as of today XX/XX/2019.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX  Acct # XXXX {$810.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX   account # XXXX {$1600.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed