davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I notified TransUnion that there are unauthorized credit inquiries on my consumer report. TransUnion only removed 1 of inquiries. The following inquiries that I reported are still on my file : XXXX XXXX XXXX XXXX,2023 XXXX XXXX XXXX 2023 XXXX XX/XX/2023 2023
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-01-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I respectfully many Federal complaints against Toyota Financial on my Financial Hardship and unable to make payments of {$480.00} a month. 
XXXX Department of Justice file case # XXXX, CFPB case file # XXXX and File case # XXXX. 

On XX/XX/XXXX I purchase XXXX XXXX XXXX and I explained to Toyota XXXX that I can not afford payments of {$480.00} a month but Management insisted that payments will be lowered and affordable, but it never happened. 
I told Toyota XXXX in XXXX, California I can only pay {$300.00} a month and that I was XXXX XXXX and on a fixed XXXX income only. 

I am not able to refinance existing vehicle loan because my negative credit and credit scores and no other financial institutions will not approve refinancing.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The Loans XXXX, formerly known as XXXX XXXX XXXX XXXX CFPB sued them Case 3:17-cv-00101-RDM Filed XX/XX/XXXX, for the deceit practices. There are 3 loans associated with my credit file f these actions taken these loans were not afforded the relief provided. As a servicer of student loans, XXXX XXXX routinely furnishes information about its student loan accounts to consumer reporting agencies. 
They have begun to re-age these loans showing in inaccuracies of XX/XX/XXXX day delinquencies and irreparable harm to my credit file and score. These loans were open dates per credit report of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a of last payment XX/XX/XXXX with a worth pay status unknown but has charge/off and last reported to CRA XX/XX/XXXX XXXX 
The Fair Debt Collection Practices Act prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. 190. As described above, on information and belief, XXXX made false, deceptive, and misleading representations to borrowers that all of their collection fees related to the federal loan rehabilitation program would be forgiven by the U.S. Department of Education or that the exact amount of collection fees currently assessed to the account would be forgiven. XXXX. Therefore, XXXX, acting together with or on behalf of XXXX XXXX, violated the Fair Debt Collection Practices Act. 15 U.S.C. 1692e, 1692e ( 10 ).
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

I had a total loss on my XXXX XXXXXXXX that I bought from the dealer. I had informed west lake of what was happening, my insurance did as well. The bank still decided to sell the car back to dealership and mark it as repo and unpaid bill instead of totalled and paid in full by the insurance company. This affects my credit score.They were made aware of the situation I've called Westlake, the dealership has called Westlake. They steadily say there is nothing they really can do. I want this reported as totalled, paid in full and have them remove the incorrect repo from report..
Consumer complaint received 2023-10-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible THE ACCOUNTS ARE XXXX XXXX XXXXXXXX OPENED ON XXXX, XXXX XXXX XXXX XXXX OPENED ON XXXX, XXXX, XXXX
Consumer complaint received 2023-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

{ Capital one/The accountXXXX } was reported has charged off literally after I paid my collection with this account. This company stated that this will not be on my report and it will be reported payed in full. I also have all the supporting documents proving what I am saying. Also I told XXXX, XXXX and XXXX to investigate and monitor this account. 15 U S.C. 1681 SECTION 602A States I have the right to privacy so this company can not send this account to collections agency without some form of communication through the consumer which is ME. 15 U.S.C. 1681 SECTION 604A SECTION 2 this States that a consumer reporting agency can not furnish a account without my written instructions. These algorithm reporting agency are taking illegal actions on my consumer report and I will not stand for any of it. Also they aren't even in compliance with XXXX XXXX credit reporting agency. I have evidence to prove my case. Also I would like for these inquiries not to be reported to my report, it's hurting my score and I want all 15 inquiries removed.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

According to 15 U.S. Code 1681b, companies are only permitted to access consumer reports for specific purposes, such as credit transactions. I've observed unauthorized inquiries from XXXX at XXXX XXXX XXXX, XXXX, XXXX  XXXX. I've disputed this twice with XXXX XXXX  at XXXX XXXX XXXX, XXXX, XXXX  XXXX, reachable at ( XXXX ) XXXX. Additionally, I am requesting monetary compensation for the violation of my FCRA rights.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experain and XXXX must be crazy because they have not been disputing this account because they would of been told that they must XXXX out the balance and pass due to a cancel debt there is 3 letters from XXXXXXXX XXXX XXXXXXXX from XX/XX/2023 XX/XX/202 and XX/XX/2023 that states they told all thee credit agencies to XXXX out the XXXX account they told them 3 months ago yet they come back as accurately reporting a balance when they were told to remove the balance this is the proof and I was told by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they should contact him personally for a 3 way call
Consumer complaint received 2023-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

We purchased home in XX/XX/XXXX. The house was XXXX until the end of XXXX. Pennymac knew this. XXXX Taxes were unavailable to Pennymac and myself until XX/XX/XXXX. In XXXX XXXX Pennymac was unable to collect tax bill due to TBA so they sent me notification that they were unable to do so at that time. I have been paying into my escrow every month, doing my part of the obligation. Pennymacs obligation is to pay the taxes from my escrow account. I assumed in XX/XX/XXXX when XXXX tax bill became available that Pennymac would pay it because the loan agreement said that and the Pennymac app said it would. However, Pennymac never paid the taxes. They did not notify me that they didnt pay the taxes until XX/XX/XXXX. Due to the delay, the account accrued penalties and fees. I was unable to pay for those taxes because that money was in the escrow account. Pennymac was obligated to pay them and they didnt. I finally was able to get Pennymac give me the money from my escrow so I could pay taxes myself. I then had to pay the fees and penalties that accrued. I asked Pennymac to reimburse me given they did not do their obligation but they refused. They said because they sent an email in XX/XX/XXXX saying they couldnt pay tax bill yet, that that absolved them from paying the taxes and it was now on me to figure it out. Again the loan agreement clearly states Pennymac pays on borrowers behalf. They treated me unprofessionally. Due to this issue we have struggled financially as the penalties and fees were significant. This was clearly a breach of contract and obligation by Pennymac.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The creditor XXXX or XXXX for {$7500.00} was removed on the account last month. This account is still active and XXXX XXXX said I need to speak to you all to get it re-applied on there. This negatively impacted my score. Please put it back.
Consumer complaint received 2023-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collections Acquisition Company, Inc. (OH)

i sent a debt validation letter on XX/XX/2023 requesting validation under the fair debt collection practices act, 15 USC 1692g.the company has failed to validate this request within the 30 days. so i got there phone number and called to talk to them and i was told that they are not required to answer the validation request.
Consumer complaint received 2021-12-04
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: Kovo (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

KOVO INC XXXX Balance : {$170.00} ;
Consumer complaint received 2024-04-05
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. (GA)

I have been dealing with this for months with TransUnion and I will file legal action against them. As i been stating for months this account is not mines. My credit report was merged with someone file with the same name as me and i provided proof the social were off. And my name spelling XXXX and XXXX have deleted this account, but TransUnion won't budge I will now begin to file legal action if this account is not removed in 4 days. Due to idenity theft you guys are required by law to delete in accurate information on my credit file. Yet you still post them to my credit report. I will now move on to the next steps. I have attached ftc reports and did everything I can.
Consumer complaint received 2022-11-24
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. (SC)

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; WXXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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
Consumer complaint received 2023-08-25
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Dean Morris, L.L.P. (LA)

The debt is with me, XXXX XXXX, not with my ex wife. If Dean Morris, L.L.C. need to talk to me or send me a letter, it's with me. Only me. Keep my ex wife, XXXX XXXX, out of my business. Don't call her or contact her in any way. 
Thank you.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX I received an alert from XXXX XXXX about an hard inquiry on my Credit Report. I went to view the inquiry and it showed up as XXXX XXXX XXXXXXXX XXXX, I have no knowledge of this account. For the past several months I have been paying off all debts in efforts to increase my credit score. I disputed with Equifax XX/XX/ and that same day my dispute was closed saying information was accurate and will remain on report. The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX I then called XXXX and they have no record of an account or this information on my Credit Report. And suggested that Equifax provide me with information on how they did their investigation. 

This is not my inquiry and I need help in getting it removed.
Consumer complaint received 2023-10-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX I never had a contract withthis debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a )
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (LA)

The first incident happened back in XX/XX/XXXX with a credit repair service named XXXX XXXX. They charged my card {$72.00} and didn't render the services they claimed they would do. I contacted XXXX XXXX and disputed the charge and was told that it would take 180 days to resolve the problem. After 30 days I called to inquire about an update of what was going on with the investigation. I was then told that they were awaiting a response from the company in question and that I needed to wait another 30 days. After 60 days I received a letter in the mail and it stated they were still working on my case. Another 30 days passed and I called and spoke with a CSR, I was told if they didn't hear from the company in question that my card would be refunded the {$72.00} byXX/XX/XXXX which would be the 180 days of wait time. I contacted XXXX XXXX  last week, XX/XX/XXXX, and was informed that the case was closed and I would not receive m refund because it was shown that I received the goods from the company. I asked them what goods did I receive because it wasn't anything of goods that was purchased it was serviced and I never received those services and why wasn't I sent any correspondence stating what was going on and that a decision was made? I was led on for month after month and then nothing was done to give me my money back from being defrauded. Next problem was the fact that I'd cancelled a payment to XXXX on XX/XX/XXXX shortly after initiating it and the website states if a payment is cancelled before XXXX the money would be return to the card immediately. After contacting the customer service department more than 5 times all being told something different and now a week later my money still has not been returned. The amount of that transaction was {$190.00}. Now, today, XX/XX/XXXX I checked my account to see if my money was returned and still nothing yet a new problem pops up. I discovered that a fraudulant charge for {$39.00} has been applied from my card, I immediately called the company and was told that I have to wait 3 days until the payment has been processed and I would have to call back to dispute this charge and then I would have to wait 180 days before I will receive my money back on my card. I told the lady to cancel the card, immediately, I went on the unemployment site and updated my payment information and stopped them from sending any further payments to this company. There's a recording that comes on in the beginning of the call and it states that each call is being recorded, therefore the call records can be pulled and reviewed as well as all contacts I've made with this company should be documented as well.