davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

XXXX  aNd XXXX are again reporting that Toyota motor credit Corp. has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. XXXX XXXX and XXXX  are either culpable negligent in carrying this listing or are being intentionally vindictive. As for Toyota credit Corp, s actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently Toyota recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. Toyota had known that the difference in the lease tit claimed 1 had been, in fact, paid XXXX by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. Toyota isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, Toyota gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof toyota, with the the virtual assistance of XXXX and XXXX ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion aNd XXXX are again reporting that XXXX XXXX XXXX XXXX has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. Trans ion and XXXX are either culpable negligent in carrying this listing or are being intentionally vindictive. As for XXXX XXXX XXXX, XXXX actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently XXXX recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. XXXX had known that the difference in the lease tit claimed 1 had been, in fact, paid dinn2017own by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. XXXX isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, XXXX gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof XXXX, with the the virtual assistance of rtraansunion and XXXX ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.
Consumer complaint received 2019-05-12
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. (OH)

I submitted a CFPB complaint XXXX and the complaint was improperly responded to. The outcome simply states they will re-investigate. TRANSUNION 's lack of proper investigation is the reason for this dispute. 

I have submitted two disputes regarding the same item on my credit report. Account Name : XXXX XXXX XXXX- Collection Account- Alleged Account Balance : {$4000.00}. Both investigations failed to provide verification as I requested per my legal rights to do so, with the final investigation results being provided today. I have no knowledge of this account or debt. Research indicates the agency is a property management company, yet the debt is clearly listed as a medical debt on my credit report. This is ILLEGAL to make misrepresentation in order to list items on a credit report!! I have submitted disputes outlining this error, lack of knowledge of this debt or whom it belongs to. TransUnion claims it belongs to me, but provides no verification in the form of any such contract indicating I owe any funds to this entity. Under Section 611 ( 5 ) ( A ) of the FCRA CRA 's are required to promptly DELETE all information which can not be verified. If this has been verified, I want the name of the person providing the verification as well as their contact information and a copy of any evidence or contract with my signature as this does not exist. I am a victim of fraud and TransUnion is not protecting me according to my legal rights as a consumer. I fully intend to seek damages through legal counsel if TransUnion does not rectify this issue by deleting this damaging item from my report immediately. The law is very clear as to civil liability and the legal remedies available to me. This is most likely a result of TransUnion 's use of automated software ( XXXX ), which has incorrectly tied me to this debt or item on my credit report. 

PLEASE EXPLAIN HOW A RENTAL COMPANY CAN LIST DEBT AS MEDICAL DEBT ON MY CREDIT REPORT AND SUPPOSEDLY VALIDATE THIS. THIS IS IMPOSSIBLE. 

I am aware of civil and legal remedies. If this dispute is not rectified immediately, I will file a complaint with the XXXX and hire a lawyer.
Consumer complaint received 2019-05-12
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 dispute letter to Transunion on XX/XX/2019 disputing several accounts found on my credit profile that I did not own. This dispute was received by Transunion on XX/XX/2019. In return TransUnion sent dispute results on XX/XX/2019. Validating all of the debt. I sent a method of verification letter in occordance to FCRA 611 ( a ) ( 7 ) to TransUnion on XX/XX/2019. TransUnion received this notice on XX/XX/2019. TransUnion has yet to respond to my request for method of verification.
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WV)

I contacted XXXX XXXX XXXX about inaccuracies on my credit report. I have two accounts one totaling {$830.00} and the other {$190.00}. XXXX  found inaccuracies on both accounts and they were deleted. XXXX deleted the account totaling {$190.00} but Im currently under dispute with the account totaling {$830.00}. I disputed the accounts with equifax and on or around XXXX/XXXX/19 the accounts was removed from equifax please see attached picture. On XXXX/XXXX/19 I checked my credit report and both accounts were back on equifax. Its the law that a credit bureau has to give 5 days notice that theyre adding something back on my file and I didnt receive anything and have since redisputed these with equifax on XXXX/XXXX/19. The representative had no answer to why. I have asked XXXX XXXX to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Under law XXXX XXXX is responsible to communicate to all credit bureaus of the inaccuracies and delete items. Its leaving me no option than to start the litigation process if this isnt corrected.
Consumer complaint received 2019-06-19
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. (SC)

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 XXXX XXXX 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 a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed XXXX ;
Consumer complaint received 2019-06-18
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. (FL)

the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

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
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One sent me numerous brochures advertising free interest for one year if I signed up for their Platinum card. After receiving the card, I called them to make sure it was 100 % interest free for one year. I was VERY specific when getting confirmation from the rep. However, they still went ahead and charged me interested on my first balance rollover. When I called them, the representative eventually hung up on me. They have the call on file that was very, very specific about the card having no interest during the first 12 months. I would like for the Quality Assurance department to pull that call and listen to it. If I wouldve known they were going to charge interest during those first 12 months, I wouldve never used the card.
Consumer complaint received 2019-06-19
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: SCA Collections, Inc. (SC)

SCA COLLECTIONS INC {$140.00}. XXXX  XXXX. XXXX  XXXX  XXXX  {$900.00}. XXXX XXXX XXXX ALL ACCOUNTS WITH ANY DOLLAR AMOUNT. NEVER AGREE TO PAY ANY DEBTS WITH ANY OF THESE COMPANIES I DON'T RECOGNISE AND HAVENT MADE A DEAL TO PAY A DEBT WITH THAT COMPAMY OR COMPANIES. I HAVE PROOF THAT MY SOCIAL AND ID HAVE BEEN STOLEN SEVERAL TIMES OF YEARS OUT MY CARS OR HOME. I HAVE PROOF AND SOCIAL SECRUITY CAN BE CONTACTED. AND XXXX  XXXX  THAT I FORGOT TO ACTIVATE AT THE TIMES. THERES NO PROOF THAT THIS STUFF BELONGS TO ME. I NEVER MADE A DEAL WITH THESE COMPANIES OR PROMISE TO PAY ANY FEE AT ANY TIME AT ANY AMOUNT. PLEASE REMOVE THESE. THESE COMPANIES HAVE UNSECURE WAYS OF RECIEVING INFO AND FRAUDULENT INFO. PLEASE AND THAK YOU. HAVE A BLESS DAY. ALL ACCOUNTS NEED TO BE REMOVE FOR REAL.
Consumer complaint received 2019-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (UT)

DIV ADJ SERV has reported a disputed debt that I made aware to them was involved in a fraud and identity theft in a pending police report case and they went ahead reported to the credit bureaus anyways. They have violated my right under the fraud victim bill of rights. They have violated the FDCPA by reporting a disputed debt involved in a identity theft and fraud police case. 


Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX Detective XXXX XXXX XXXX XXXX XXXX Police
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TN)

I signed up for a XXXX XXXX American Express card that came with a sign-up bonus of 60,000 Membership reward points after meeting some minimum spending. Some background is that this card requires you to have an account with XXXX XXXX. Also background, American Express views signing up for a credit card and then closing the card after receiving the sign-up bonus as rewards abuse. 

Well I met the minimum spending and received the 60000 points. Then, months later, XXXX XXXX mysteriously closed my account. The only reason I have been able to put together was one bounced check that I had written years ago. They had closed my account back then even after I pleaded to them that it was a mistake and tried to properly fund my account. Well, apparently XXXX saw that I had previously been a customer and decided to close my account again. This then triggered American Express to close my account. 

That ticked me off, but whatever, I understood that a XXXX account was required in order to have that credit card. However, today I received notice that Amex has determined I abused the card by signing up and cancelling it! I didn't cancel it, they did! Now they have removed 60,000 points from my account which is well over {$600.00} in value! I tried to call them and explain but they simply said they could not refund those points since the account was closed. 

This is classic bait and switch. They don't have the right to take these points away from me when I did not violate the terms. I am pleading to you, CFPB, please hold Amex accountable. 

Thank you!
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-06-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (AL)

The ex-wife of my ex-husband of 25 years had a voice mail that she felt she needed to send me and it was a automated message about me and a debt. They did not say who they were in the voicemail. I called them back and told them to never call her again or anyone and that they shouldn't be leaving voice messages not knowing who they are leaving them with. I am not even sure why they are linking me with her. 

I called them to get the name of their company and to find out why they were calling. They only verified me by my caller ID. They didn't ask for any other information before telling me that I had a credit card that needed paid and they could take payment then. It was not the credit card company calling and the debt is from XX/XX/2016. I asked them to send me the information about the said account that I was not claiming it as mine or was paying something I was not sure about. They said they could email it. I gave them my email and got a an email to " opt-in '' which I am not doing.
Consumer complaint received 2019-06-19
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: CCS Financial Services, Inc. (NJ)

Ccs Collec..Reported on my credit report XXXX  2 collection from XXXX XXXX and XXXX XXXX.Both this accounts did not belong to me i ask for a prove and they do not haved. I do not have any policy under my name and i do not have a car under my name.All the information that they have are incorrect.The are over 140000 complaints against this company they try to brake down peoples credit and XXXX just for money.They have no real prove to provide against me they told me that they get those info from a third party agency and they are not responsible to provide a prove
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have XXXX  XXXX  XXXX as my mortgage bank and they sold my mortgage to a shellpoint mortgage Services this company is claiming I im behind in my payments but they don't gave me any prove of the month I im missing every year XXXX XXXX XXXX rise my mortgage saying some kind of adjustment on my scrow that is why my mortgage payment when from XXXX to XXXX but they still claimed I behind this mortgage company is all ready sending me an amount of {$6000.00} I don't know that they are talking about but all ready talking about foreclosure I don't want to Loose my house because of this peoples lies and they all ready send me a a paper saying how much I will pay for every paper or any thing they do with this procese
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (CA)

These accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are ran as a chargeoff. But I never received the 1099 cancelation of debt form. And because of that These accounts is inaccurate and they have to be removed. Thank you.
Consumer complaint received 2024-09-05
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. (NY)

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 : XXXX Account Number : XXXX
Consumer complaint received 2018-03-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (NC)

Ally Financial illegally obtained my personal information, including cell phone number, to call me about a family member 's auto loan. They never identify themselves as Ally, that information was obtained by searching their phone number. 
Ally is contacting others who are NOT related to the borrower.
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX a dispute was submitted for XXXX  and this account has exceeded the allowed time limit for credit reporting. What is so frustrating is Experian states on their credit report that it should be deleted on XX/XX/XXXX ; however, they refuse to delete this outdated account information. Outdated credit information is a violation of FCRA and I demand this account be deleted from my credit report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

i pulled a report on my credit, it showed a collection for XXXX. collecting agent diversified consultant. creditor XXXX XXXX or XXXX not sure which. when speaking to collection i provided my social sec # no account showed up. i asked then why it was in my report i got the runaround saying i needed to call XXXX  for account number. when i asked for the number i got a i dont know answer. i asked for a supervisor he said sure and hung up on me. 
acc opened XX/XX/2019.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am filing a complaint against Equifax regarding their failure to respond to my dispute letter. On XX/XX/2024, I mailed a dispute letter to Equifax via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. In addition to this, I also disputed incorrect personal information listed on my report. 

To help Equifax verify my identity and address, I made sure to include a copy of my photo ID, my social security card, and a recent bill showing my current address. Despite these efforts, I did not receive any response or investigation results from Equifax. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Equifax has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute.