davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-12
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. (TN)

I noticed some discrepancies on my credit report in which i disputed it with the credit bureau XXXX, Transunion, and XXXX. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. XXXX, Transunion And XXXX made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request Transunion, XXXX and XXXX to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against XXXX.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

I received a letter in the mail stating that a Personal Checking account with XXXX  Debit Card access was opened in my name with TD Bank. The account number isXXXX. The customer reference number is : XXXX # # #. I have contacted TD Bank and closed the account. There is no beginning or ending balance.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX
Consumer complaint received 2018-04-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Embassy Loans (FL)

I made my first title payment late because it was for more than I expected and I did not have the money to pay for the loan because it was an unexpected highest payment due to them slipping in a damage waiver adding {$700.00} to the {$1500.00} loan amount that I had expected. I was asked to add the damage waiver even tnough I carried full coverage insurance with XXXX. I got a phone call from them when I was one day late and they are now saying that I have to pay the commission waiver fee off with my {$1500.00} loan. The interest is 30 % and my payment jumped from {$150.00} to {$200.00}. They also want {$15.00} in late fees and {$6.00} to make the payment online or {$12.00} on the phone. Embassy Loans has has my loan for less than two months and they have lied to me, tried to take advantage of me as a single woman, and threatening to repossess my car! I am waiting on XXXX and I am in need of my car for medical appointments and at times have had to live in the car. I would like to refinance with better terms and I am grateful for your help! Please call me at ( XXXX ) XXXX with any questions. Thank you for your consideration!
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (FL)

The following credit Bureaus EXPERIAN and XXXX stated that my accounts were properly investigated but how can that be possible when the information shows that the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for these accounts to be removed as they are violating my rights under, the following LAWS.

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus and the creditor have taken more than 30 days to complete there investigation to which no documentation was provided as I requested, the credit bureaus and the creditor have both verified these accounts without providing any proof or documentation. 

Both credit bureaus have instructed me to contact the creditor for proof of verification documents as to why and how these accounts have been verified. The creditor has refused to furnish me any documents proving verification of accounts as well as the credit bureaus. 
there is no proof being provided these accounts must be deleted.
Consumer complaint received 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been attempting to fix my problem with Transunion for over two years. I am a victim of the XXXX data breach. They are reporting information that does not belong to me causing extreme distress and mental illness. I have attempted in numerous occasions to call and write with not results. I have filed an Identity theft report attached I have placed a claim for XXXX Data breach I have listed again, the account 's that do not belong to me. As well as asking for bankruptcy 's to be removed as this is in direct violation of 15 USC 1681 ( 4 ) - Consumers right to privacy
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KeyBridge Medical Revenue Management (FL)

I experienced a personal injury situation where I hired a personal injury law firm who took over paying my medical bills during the law suit. once the law suit was settled my law firm delayed paying all of my medical bills. There were one bill from my XXXX XXXX XXXX XXXX firm that was turned over to Key Bridge Medical Collections to collect. I contacted my legal firm and they paid Key Bridge Medical in full for an amount of {$390.00}. Key Bridge Medical continues to say that they want this medical collection noted on all three consumer credit reporting agencies. XXXXXXXX emailed me that Key Bridge Medical wants the debt for medical reasons collection to be continued to be noted on my credit report and XXXX refuses to delete it even when I informed them that medical collection issues were no longer supposed to be reported to the credit bureaus and in my case is even paid in full years ago.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (CT)

I sent a letter to diversified consultants to dispute a debt that they claimed that I owe them. They sent me back a bill with my name on it from XXXX. This bill had my name on it but no proof of signature. I asked them to verify that the bill was mine and the company didn't respond. They were given their 30 day grace period to mark the collections account as disputed, which they failed to do. The company had also dropped off of my credit report and returned back on without any validation of verification.
Consumer complaint received 2023-04-06
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: Bread Financial Holdings, Inc. (VA)

I sent 5 letters to you and still no response over 180 days later. You are reporting inaccurate and misleading informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of last activity and date opened are all inaccurate which is breaking the law.
Consumer complaint received 2022-05-03
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. (NC)

I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION REPORTING TO MY CREDIT PROFILE IS INFORMATION THAT I HAVE NO RELATION TO, NOR HAVE I EVER HAD A ACCOUNT WITH THIS CREDITOR. I HAVE CONTACTED THEM AND THEY HAVE FAILED TO PROVIDE ME WITH ANY ORGINAL SIGNED CONTRACT STATING THAT I OWE A DEBT TO THIS COMPANY UNDER FCRA SECTION 609A. UNDER FCRA SECTION 605B AND 609E, FRAUDULENT INFORMATION MUST BE PERMANENTLY DELETED FROM A CONSUMERS CREDIT PROFILE WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. THIS IS A DIRECT VIOLATION OF THE CONSUMER LAW AND I WILL BE FOLLOWING UP WITH EACH AGENCY TO ENSURE THIS MATTER IS TAKEN CARE OF IN A PROMPT MANNER. I HAVE CONTACTED MY ATTORNEY AND PLAN TO FILE A LAWSUIT AGAINST ANY AGENCY INVOLVED IN REPORTING FRAUDULENT AND UNVERIFIED INFORMATION TO MY CREDIT PROFILE. THIS HAS CAUSED ME DISTRESS AS WELL AS RUINED MY CONSUMER FILE. THE FOLLOWING ACCOUNT IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXXXXXX {$190.00}. FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS. PLEASE REMOVE ALLL NON-ACCOUNT HOLDING INQUIRES THAT HAS NOT BEEN VERIFIED VIA ORIGINAL SIGNED CONTRACT.
Consumer complaint received 2021-12-07
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (TN)

1.I have never had STUDENT LOANS, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) Any STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-05-03
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: OneMain Finance Corporation (SC)

in accordance with the fair credit Reporting act XXXX Account OneMain Financial, XXXXXXXX XXXX XXXXXXXX, XXXX, IN XXXX, had violated my rights. 
15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 section 602 ( A ) Section ( 2 ), It is also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-10-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2022-05-03
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. (NC)

In 2018 I had my truck towed in to shop for repair ( XXXX XXXX ) during this time I lost my job and called XXXX XXXX to ask if they could work with me while I find work.. they was very nasty and said that they needed to pick the truck up on repo... I told they that I surrender the truck and where the truck was located, which they knew because the truck had a tracking system on it ... they call me a year later asking for truck I replied you said you was picking it up, far as I know they did pick it up at some point. However they send me letters every month asking for balance that was remaining on truck in XX/XX/2018, they report in to credit agencies every month that I'm late and passed due... I tried taking with the credit reporting agency and XXXX XXXX about this, however you can't talk to XXXX XXXX they are not nice at all and credit agencies will not truly investigate and fix the reporting errors .... I paid and still pay credit repair company but they same to get same response .... I done research a this is an ongoing problem with XXXX XXXX... aswell as credit agencies allowing this type things to happen over and over by same company... .this has be going on for 4 years, haven't had that truck that long and it still being reported as if I have it and late pay every month... that fraud within itself ....
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NJ)

These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : 1. ) Identity Theft XXXX XXXX Account number : XXXX This is not mine. 

2. ) Identity Theft XXXX  Account number : XXXX This is not mine. 

3. ) Identity Theft XXXX XXXX Account number : XXXX This is not mine. 

4. ) Identity Theft XXXX Account Number : XXXX This is not mine 5. ) Identity Theft XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX This is not mine. 

6. ) Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. ) Identity Theft XXXX Account number : XXXX This is not mine. 

8. ) Identity Theft XXXX XXXX Account number : XXXX This is not mine. 

9. ) Identity Theft XXXX  XXXX Account number : XXXX This is not mine.
Consumer complaint received 2020-01-30
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: MARINER FINANCE, LLC (PA)

i was reviewing my credit report and i realize i have those accounts ( MARINER FINANCE ) AMOUNT OF {$1800.00}, ( XXXX XXXX XXXX XXXX, i need an investigation to these accounts that it don't belong to me.
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (NJ)

Apex Asset management LLC XXXX XXXX  XXXX are XXXX XXXX PA attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor of collection agency and she confirm that they receive such letter from a hospital?????? I continue to receive a calls. 
As per my last conversation with XXXX XXXX ( agency rep ) she treating me and give me a last chance to pay????? 
This must be stop! I find this very unprofessional and very obnoxious to even in the first place. She refuse to connect me with her supervisor or give me a chance to leave a voicemail to her supervisor. 
I appreciate you help in this matter. 
Thank you
Consumer complaint received 2021-12-07
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. (MO)

I told his company that was not my public record and that they did not have my consent too use that information and they are getting miss information from a third-party and not the Court itself
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (DC)

On my XXXX  credit rep. I saw THIRD PARTY SUPPLIED Information. 
It was submitted without my consent, and in violation of my identity privacy rights. 
There was too much too confidential information. 
I called to CHEX SYSTEMS.com co. who supplied this THIRD PARTY INFORMATION for XXXX. 
I spoke with XXXX, Employee # XXXX. 
Her number is XXXX. 
CHEX SYSTEMS is XXXX. 

XXXX Is in XXXX, MN. 
I explained that I am very very disturbed by what I see on XXXX  about my home. 
That it looks like someone wanted to lend me money for a car, against my home maybe? 
The company is XXXX XXXX. 
But I dont know who they are and never heard of them. 

I also never ever received a CONSUMER REPORT from CHEX SYSTEMS .com. 

XXXX asked me if I received a Consumer Disclosure report from CHEX SYSTEMS? 

I told to her, that I did not receive Consumer Disclosure Report from CHEX SYSTEMS. 

She promised to mail it to me. 

XXXX initiated a DISPUTE today to investigate who XXXX XXXX are and why they requested so much information about me. 

I t is my understanding that Chex System can not remove THIRD PARTy SUPPLIED INFORMATION from my XXXX  Credit Report. Yesterday Federal Trade Commission 's agent XXXX told to me, that I must contact only Consumer Financial Protection Bureau to help me to remove or dispute unwanted or double or irrelevant to credit report information about me. 

XXXX Id # XXXX from CHEX SYSTEM also advised me to file a POLICE Report, to go to POLICE and file a report about IDENTITY Theft or that someone is trying to get information -- too much information about me and my home, and report this to the XXXX XXXX POLICE what I intend to do.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

In 2018 I had my truck towed in to shop for repair ( XXXX XXXX XXXX during this time I lost my job and called XXXX XXXX to ask if they could work with me while I find work.. they was very nasty and said that they needed to pick the truck up on repo... I told they that I surrender the truck and where the truck was located, which they knew because the truck had a tracking system on it ... they call me a year later asking for truck I replied you said you was picking it up, far as I know they did pick it up at some point. However they send me letters every month asking for balance that was remaining on truck in XX/XX/2018, they report in to credit agencies every month that I'm late and passed due... I tried taking with the credit reporting agency and XXXX XXXX about this, however you can't talk to XXXX XXXX they are not nice at all and credit agencies will not truly investigate and fix the reporting errors .... I paid and still pay credit repair company but they same to get same response .... I done research a this is an ongoing problem with XXXX XXXX... aswell as credit agencies allowing this type things to happen over and over by same company... .this has be going on for 4 years, haven't had that truck that long and it still being reported as if I have it and late pay every month... that fraud within itself ....