davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maury Cobb, Attorney at Law, LLC (MD)

A collection service leaves a message with a phone number everyday on my recorder for a debt incurred by someone else not in my household. I call the number and leave messages that I am not the individual they are trying to contact and that no one lives there by that name. I ask for a call back. Now, the voice mail box is full and not accepting any calls. Literally these calls are in the hundreds now and quite frustrating since I owe no one anything.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TRANSUNION continues to report " hard '' inquiries into my file by XXXX CARD on XXXX/XXXX/XXXX and by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX,XX/XX/XXXX and XXXX/XXXX/XXXX. I have REPEATEDLY asked that ALL of these be deleted as they were to have been done as " soft '' inquiries yet no one has been willing to help me with this.
Consumer complaint received 2017-02-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

My car dealership, XXXX on XXXX XXXX in XXXX, FL, overcharged me for a service on the vehicle by {$640.00}. They rectified the situation by sending me a check for the error instead of sending it to the finance company, which is Ally Bank. I sent the payment to the finance company, and it is my understanding that my interest rate is based on the amount of the loan as well as my monthly payment amount, but after notifying my finance company of this error, no change was made to the contract, and I believe that for over a year, I 've been over charged in interest, which has caused me to be severely upside down in the vehicle equity and unable to refinance with a more reputable institution without an impossible to come up with down-payment.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has deleted my whole credit file of 31 years. Their agent told me they found the records & would put it back on file in 3 days. It has been weeks & they have not done soXXXX Transunion XXXX refused to take XXXX 's credit information from XXXX 'S credit rep for XXXX accts I have with them. Only XXXX is reporting my credit info correctly.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Georgia State Tax Lien was placed on my Trans Union credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XX/XX/XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Trans Union but the refuse to remove the lien.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted dispute letters to all three credit bureaus because all the things I was disputing was n't accurate, was n't mine or the same account being placed on my report triple or more then triple time. .Under the Fair Credit Reporting Act, 15 U.S.C. 1681g That I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. I ask them in the letter please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
Plus, all my loans was discharged later after my third dispute letter request was sent to the credit bureaus. I also fax the letter from Department of Education that stated all my student loans was discharged. On XX/XX/2017 I well be faxing in to each credit bureau NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 letter.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ORIGINALLY I FILED WITH THE CFPB CASE # XXXX. MY RESPONSE WAS PARTIALLY ANSWERED! I appreciate that XXXX RESPONDED BUT THEY ALSO CONFIRMED TO THE CFPB THAT THE LATE PAY WAS ERONEOUS AND NOT SHOWING ON THEIR BUREAU, AND NEITHER IS XXXX!!! I am asking for TRANSUNION to Please remove the negative late pay mark against me. I HAVE ATTACHED THE DOCUMENTS TO THE ACCOUNT REFERENCING THIS LATE PAY. This is merely a stall tactic to not address my concern. Pursuant to the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency?
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/XXXXDear Consumer Financial Protection Bureau ( CFPB ), On XXXX XXXX, 2015, I submitted an email requesting guidance regarding several issues which will be discussed later. On XXXX XXXX, 2015, I received the following response email : '' Thank you for contacting the Consumer Financial Protection Bureau. 

Please contact the CFPB 's Consumer Response team directly at XXXX, or go to the CFPB 's website at http : //www.consumerfinance.gov to ask questions, file a complaint, check the status of a complaint or obtain additional informations on the CFPB 's regulations or other matters. " Since, the CFPB is an independent bureau funded by the Federal Reserve, tasked with drafting and enforcing regulations for banks, equity markets, credit unions, debt collectors, mortgage lenders, and other entities offering financial goods and services. Functions and Responsibilities of the CFPB Essentially, the CFPB is a watchdog agency tasked with protecting consumers from unscrupulous lenders and other financial institutions. While the bureau has some unique responsibilities, the CFPB also will assume existing duties once carried out by the Federal Trade Commission and other government agencies. 

We are requesting assistance with respect to Trans Union. 

FACTS AND ISSUE ( S ) I. Trans UnionTransUnion Consumer RelationsXXXX XXXX, PA XXXXTRANSUNION FILE NUMBER XXXX dated XX/XX/2015XX/XX/XXXX, Dear TransUnion , I am in receipt of your response to my XXXX XXXX, 2015, request for deposed information. Your response was void of the information. If you are n't the proper venue even though you sent the information to us can you please provide us with the agency that can assist us and/or who oversees your operations? Regards, Courtesy copy of request to Consumer Financial Protection Bureau ( CFPB ). CFPB if you are n't the proper venue please forward my concerns. 
A. The duties and the legal requirements of Trans Union a credit reporting bureau is predicated on evidence and facts. We received a notice from Trans Union on XXXX 2015 and subsequently requested a credit report. The report had some unsubstantiated information so on XXXX XXXX, 2015, we requested deposed documents to support the unsubstantiated information. 
B. We are requesting your office to either contact Trans Union to obtain the requested deposed documents since they just ignore us or forward our concerns to the appropriate governing - body. 

Regards and if additional information is required please let me know, XXXX XXXX, XXXX. 
__________________________________________________________________
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (KS)

I had a JCPenny credit card administered by Synchrony Bank. I paid my first purchase in full on XX/XX/XXXX, a few days before the due date. I used my bank 's online payment service. The transaction was successful. About 2 weeks later, I received a robocall asking me to identify myself. The recording did not identify the caller in any way, it simply asked me to hit 1 if I was myself and 2 if I was someone else. I believe that the caller should identify themselves, so I did not answer. I did speak to a representative. She also would not fully identify the company. She kept saying " Synchrony Bank '' and that she was trying to collect a debt and was I myself. But she would not tell me who I supposedly owed money to, until I finally identified myself. Then she finally told me who I really was dealing with - my JCPenny account. She said I was past 30 days overdue. I told her, no, I had paid that in full. I told her to cancel the account. I do n't care to do business with a lender that disguises their identity and harasses me with intimidation tactics such as robocalls demanding my identity and lying about the circumstances. The bill was due XXXX XXXX, and they claimed I was 30 days past due on XXXX XXXX. There is no way that is possible. After some investigation, I discovered that I had the wrong account number in my payment information. This was my error. However, Synchrony accepted the payment against an account that I had closed long ago. If they had not accepted it, I would have been able to correct the error immediately. They also made no civil attempt to communicate with me. The call arrived before my next statement, so there was no written communication indicating that there was a problem with the account. The call itself was inappropriate - the lender/collector is supposed to identify themselves. They should not be able to lie about the debt itself, which they did in claiming it was more than 30 days overdue. Synchrony is pretty sure that they 'll remove the {$25.00} late fee from my cancelled account, but equally sure that I will be charged the interest for the payment that I made on time.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Acknowledged as a victim of massive identity theft in 2015 by the Internal Revenue Service. My case warranted me involving the FBI and Internal Revenue Service. 
Despite me providing Transunion and Experian with documentation from the Federal government and additional XXXX pages of proof regarding fraudulent accounts they continue to allow the creditors to report fraudulent information. Specifically of concern XXXX XXXX XXXX. I have provided information that this is my mother 's account. Sending the Registration, and Insurance documents. XXXX providing information that this car is garaged at her home address " a senior housing complex '' XXXX continues to report that I am a cosigner on this account the most compelling evidence, which hyundai would be unaware of, is that I am a victim of identity theft which left me unable to obtain any type of loan. My credit score being XXXX left main financially and economically paralyzed. I am devastated by what XXXX XXXX XXXX has done after me being a victim of identity theft I have been revitalized by XXXX XXXX XXXX. This is my mother 's car. I did pay this account to help my mother which was my prerogative. I did not authorize XXXX XXXX XXXX to keep my information in their system. XXXX XXXX XXXX continues to list me as a co signer on this account which is mind boggling. More disturbing is transunion has the factual information that this is not my account. The reckless and destructive reporting by XXXX XXXX XXXX to the credit bureau is beyond comprehension. I did make payments on this account for my mother 's car. At no point in time did I allow XXXX XXXX XXXX to keep my information on file. I have found out XX/XX/XXXX they have used my banking information, which was not to be stored in their system, to take an unauthorized payment out of my account. XXXX XXXX XXXX can not substantiate a co signer on this account .There is no supporting documentation stating I am a cosigner XXXX deleted XXXX XXXX XXXX XXXX from my account however I have been disputing this with XXXX and TransUnion for a year. Being a victim of massive identity theft and fraud and dealing with the credit bureaus actions has affected me in a way that I can not even begin to express. Dealing with the credit reporting agencies is being subjected to continued abuse for me. It is unfathomable, beyond comprehension. This is XXXX account. Equifax removed XXXX accounts. Experian is still reporting a federal tax lien which the Internal Revenue Service found me not liable for. The credit bureaus have all of this information. The government does n't hold me responsible. I should not be subject to more abuse by the credit reporting agencies. These accounts need to be taken off my report as soon as possible. I have been left in financial ruins. A single mother of XXXX XXXX children. I 've been left economically and financially paralyzed. Thank you in advance for your time.
Consumer complaint received 2020-06-10
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: CREDIT ACCEPTANCE CORPORATION (NY)

I was put into a car loan that I never sign. I have evidence that the manager of the car dealership had someone sign the papers in my name my husband got a loan with the company name credit acceptance but not me and some how my name was put into the paperwork. I need this of my credit report sign I never agree or sign for this loan.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Apparently XXXX of my girlfriend 's credit cards ( XXXX XXXX ) was added to my list of credit cards, though I do not have the card, I am not an authorized user, nor do I have any type of access to this account. The account has had XXXX late payments, which are showing up on my credit report and damaging my score. The account shows as open, but with XXXX balance and it states that the last time it reported was on XXXX XXXX, 2014. On the credit report, it also states my responsibility for the account is " Terminated ''.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX XXXX ( XXXX XXXX , XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XX/XX/XXXX-approximately 11 years. I have contacted all XXXX credit bureaus ( XXXX, XXXX and Experian ) and they refuse to remove the accounts each time and now they are reflecting duplication.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I requested for Experian to dispute XXXX XXXX on my credit report, account number XXXX. I am attaching the letter from my daughter indicating the account was not mine that she signed without my permission or knowledge, this should be more than enough for the organization to release me of liability. but yet I am being responsible. XXXX asked me to send a signature from 2007 which is senseless as I do not have anything from 2007. I have already given them a letter from XXXX and I have provided a domicile where I have lived over XXXX years and the organization did not have my address or email or anything of the such. The info XXXX has matches up with my daughter. I provided a domicile to them not only did it list my addressed but also my signature. Experian refusing to dispute is violating my rights. XXXX has had this fraudulent account on my credit almost XXXX years and I want it removed. I did not think it would be necessary to retain legal representation for this XXXX situation but it seems I may.
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (NY)

I acknowledge that I am the individual making this complaint under my rights per federal law. *Not a credit repair company Equifax is involved in an egregious action action towards me. Violation federal law section 1681 of the FCRA rules. 

An account under the name ( XXXX XXXX XXXX XXXX ) original creditor : ( XXXX XXXX ) has appeared on my credit report for the 6th time this year XXXX. 

This account was added to my credit report in & around XX/XX/2020 without notice of reinserting 5 business prior as required by federal law. A violation of FCRA rules section 1681.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

Please have information more consolidated. Why are credit reports loaded with accounts being listed several times and it is for XXXX creditor? That is so unfair and unjust. 
I would like to see the Credit Report trimmed down. It is the most inaccurate document that I have every seen.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation.
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

I currently have disputed an appt from XXXX XXXX that is on my account with a balance of {$950.00} that has been sent to collections that I did not open. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX Account Number Num : Balance {$640.00} Dear Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX