davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
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)

I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Obviously I became a victim of identity theft. I kindly ask you to help me because I do not recognize this account. I am requesting that you delete information from my credit report because I am not connected to this account like absolutely. Its for sure not mine. I never signed for or agreed to this. I do not have any contracts or agreements, or documents confirm this item. Please I kindly ask you to take appropriate actions and delete it forever.
Consumer complaint received 2021-01-12
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. (AZ)

Over the past 12-months I've been working with Experian Credit Reporting. Last year my credit score was XXXX. Four or five months ago Experian finally concluded I was correct in all of my disputed challenges. 
My new Credit Score ZOOMED upward to XXXX.

All disputed accounts were deleted from my Credit File. 
As we closed out 2020 I could finally rest. What took me nearly 18 months, I had successfully cleaned and polished my Credit History. 
XXXX negative credit, XXXX Collections, XXXX bankruptcies, XXXX negative Public Records. 
Now Experian is re-reporting certain items that are reappearing. My score is back down into the 630 levels. 
I have reached out to Experian, but not received a response. I don't get it. I worked so hard on this. I got vindicated. I realize that most all data is not looked at by Human Beings. Yet I hope at some point a human can look into my file and adjust data accordingly. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IL)

All the sudden a collection account appeared on my report on XX/XX/2021, I called them and they said it was sent to them from XXXX XXXX  in XXXX which I dont live there, I told the company its against the law to placed collection on credit report before giving me the chance to validate the account, they didnt care they said they have notice sent to address where I dont live. 

Account # XXXX
Consumer complaint received 2021-01-12
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: Bread Financial Holdings, Inc. (CA)

The sales associate at Forever 21 named XXXX advised me that there would be a soft credit inquire applied to my credit, if I applied for a store credit card. The associate also used her personal phone to process the application without my knowledge. I asked several times to make sure of the inquiry type and was mislead completely. I notified management ( XXXX/XXXX  ) but have yet to receive any feedback about how to resolve the unsolicited inquiry.
Consumer complaint received 2021-01-12
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. (AZ)

XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX is not the creditor. There is NO dealer assignment and no contract that I signed between XXXX and me at any time. Truth in Lending Act 15 U.S.C. 1641 ( a ) provides a Federal cause of action by borrowers against creditors who fail to make the disclosures required by its provisions to assignee. There is no such document that I signed with XXXX. On the face of the contract, it should say " seller '' ( dealer ) assigns its interest in this contract to : XXXX. There is nothing. It should also say Assignment to : XXXX. It does not say anything., there is no such contract or assignment between XXXX and me. The dealer is leegally and contractually the creditor not XXXX on this sales contract. TMCC/TFS is to DELETE immediately this false entry from all my credit reports. These are violations of TILA, FCRA/FDCRA and many more. Deceptive business practices and consumer fraud.
Consumer complaint received 2021-01-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

I am trying to take out a mortgage on my house. I have a HELOC from TD that needs to be subordinated in order to close the mortgage. It had taken TD many many weeks to review the documents and to respond. It also seems like it has taken TD weeks just to retrieve documents that were faxed. This delay has caused my rate lock to expire and a need to refresh certain docs for my mortgage. TD is either non-responsive or takes weeks to respond. 
See attached as an example. 
The subordination application was submitted on or before XXXX XXXX, XXXX. 
I reached out on XX/XX/XXXX for an update. 
I didn't receive a response until XXXX just saying things are delayed. 
I didn't receive a real response until XX/XX/XXXX. 
We have sent in all of the requested information by the end of XXXX and have not heard anything back yet.
Consumer complaint received 2021-01-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I entered into a consumer credit transaction with Toyota Financial Services on XX/XX/2020. This consumer credit transaction included a finance charge. Pursuant to 15 U.S.C.1605 A finance charge is the sum of all charges in a consumer credit transaction. Toyota Financial Services not only took my vehicle as down payment ( {$5000.00} ) but they advertised down payment in violation of U.S.C. 1662. Pursuant to 15 U.S.C. 6802 Toyota Financial Services never disclosed to me that I had the option to opt out of the transaction being reported. Toyota Financial Services also reported this transaction to a consumer reporting agency which is a violation of 15 U.S.C. 1681. The transaction arose from a credit card which is supposed to be excluded from consumer report. Along with the repeated phone calls and erroneous billing errors from Lexus as well is a violation of 15 U.S.C. 1692c ( a ) a debt collector may not communicate with a consumer in connection with the collection of any debt. I have sent multiple certified letters to the consumer reporting agencies and to Toyota Financial Services most of them not returning the green signature card.
Consumer complaint received 2023-05-26
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. (GA)

HI 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 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-01-11
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: SYNCHRONY FINANCIAL (TX)

On multiple occasions I have notified these three ( 3 ) creditors of the severe impact of the COVID-19 pandemic on my XXXX dating back to XX/XX/2020 and have asked for COVID- related assistance without success. Presently all three are reporting negative credit entries on my credit report which is preventing my business from accessing new credit in an effort to get my business back on track XXXX purchasing business equipment, rehiring employees XXXX. I have not received federal stimulus funding and can not get the status of my SBA disaster loan funding application. 

( 1 ) XXXX XXXX XXXX XXXX - XXXX ; ( 2 ) Synchrony Bank - XXXX XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX - # XXXX which was charged off without my knowledge.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I have corresponded with the banking institution and it is going on 2 years with no resolution. I have complied with the requests and documentation. Banking institution refuses to provide my account with the credit while they investigate the fraudulent activity. I have phone records and USPS certified mail receipt of the documents being delivered. USPS Certified Mail Receipt No. XXXX XXXX XXXX XXXX XXXX. Email also provided on XX/XX/2020 with the documents requested as well. The incident number they provided for reference is : XXXX. The banking institution customer service and " supervisors '' allege that the check was cashed by XXXX  XXXX XXXX, the intended payee of the check does not utilize XXXX XXXX XXXX to endorse any payments that I have made to them for 2 years. The checks that are attached for reference does not reflect the checks as endorsed, but instead is blank. The intended payee has stated to me this has NEVER been received and continues to bill me for these monies.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

I have request NJ Lenders to respond with a copy of where the {$130000.00} went and who deposited the {$130000.00} that I have been PAYING BACK FOR OVER 8 YEARS. NJ Lenders own Note and Mortgage documents state that I received the {$130000.00} loan. I have not received the loan was not used to pay off my existing mortgage because both NJ Lenders and XXXX XXXX XXXX XXXX have no record of money changing hands. The mortgage stamped " Cancelled of Record '' does NOT indicate that the mortgage was SATISFIED and there is NO RELEASE OF LIEN, NO DISCHARGE OF TITLE AND NO ONE WHO WILL BUY A $ XXXX+ HOUSE THAT DOES NOT HAVE TITLE INSURANCE. This should not be a problem for NJ Lenders to send the proof of payment. 
Please request NJ Lenders to reply with the proof of where the {$130000.00} went. I have my monthly mortgage payments for over 8 YEARS and have made monthly mortgage payments and PAID BACK to NJ Lenders and NJ Lenders will not confirm who deposited the {$130000.00} payment. Please review the attachment that shows the cancelled checks from the original purchase and the first 10 % deposit along with the closing costs. Another problem has surface because EIGHT different Mortgage Identification Numbers appear when XXXX XXXX XXXX, XXXX XXXX is looked up on XXXX XXXX FOUR OF THE MIN 's are ACTIVE. The XXXX XXXX MIN on the bottom of the page has NJ Lenders XXXX  ID of XXXX but is listed as XXXX XXXX  this came up on the report as FALSE. I entered the MIN and XXXX Loan numbers of the form because the documents that were filed BLACKED OUT the information in an apparent attempt to conceal the information.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

I have contacted care credit as well as synchrony bank several times in regards to billing errors on my credit report as well as my account statements with no resolution. My account is extremely incorrect and my credit score has been affected and it is causing great distress to my household.
Consumer complaint received 2023-03-16
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-11-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately US DEPT ED ( XXXX ) - ( XXXX ) XXXX US DEPT ED XXXX XXXX ) - ( XXXX ) 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
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I appreciate your attention in addressing the fraudulent items within my file resulting from an alleged fraudulent activity. However, there remain additional items requiring removal. This complaint serves as a formal request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.
Consumer complaint received 2023-10-19
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: ALLY FINANCIAL INC. (TX)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-11
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. (MA)

To whom it may concern on XXXX XXXX, 2020 XXXX XXXX XXXX ( XXXX ) granted a 90-forbearance due to covid 19 hardship. Reduction in hours, school closures, office shutting down etc. During the forbearance period starting on XXXX XXXX, 2020 ending XX/XX/2020 o payments were due. However Only XXXX XXXX 2020, XXXX XXXX XXXX, then reported to the 3 credit bureaus that my mortgage account ( which they no longer had ) was over 60 days past due. THIS IS NOT THE CASE, under the Federal guidelines, NO NEGATIVE REPORTING WAS TO BE DONE TO CREDIT AGENCIES DURING THE FORBEARANCE. ( from XXXX XXXX XXXX XXXX. 
I contacted XXXX, they told me they no longer have account information and would not take back the negative credit report. After several failed attempts with XXXX ( XXXX XXXX XXXX ) to fix my credit report, I then contacted Experian, and disputed this issues 3 times with them each time submitting documents that prove that XXXX fraudulently reported 60 days past due on my credit even though a forbearance was in place. I received a letter back on XX/XX/XXXX from XXXX admitted they reported incorrectly and would fix it, they never did. I supplied experian with these documents and now my credit report is even further damaged, it now shows incorrectly that I was 60 days past due on my XXXX  account in XXXX of 2020 even though i did not have that account open as of XXXX 2020. XXXX XXXX XXXX has broken federal guidelines during a forbearance and still as of today XXXX XXXX, 2020 has still NOT fixed my credit report.
Consumer complaint received 2021-01-11
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)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXXCR/OFF XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2021-01-11
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)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, XX/XX/XXXX ;XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2021-01-11
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: CCS Financial Services, Inc. (IL)

On XX/XX/2020 Credit COLL added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Credit COLL has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.