davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (TX)

How many complaints and letters do I have to submit to the Credit Bureaus for them to correct my Credit report from erroneous reporting? the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting that if the Credit Bureaus can not update the status of the disputed account, it would be preferable if they remove the disputed account from my Credit Report. The account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} is reported as a charge off account and yet this account indicates a balance! As far as I know, a charge off account must report XXXX balance. I have been wanting the Credit Bureaus update this account and yet they have to do so. I would greatly appreciate it if the Credit Bureaus would just delete this account if they can not comply with a simple request of an update.
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (GA)

I went and financed a new XXXX XXXX XXXX from XXXXXXXX XXXX in XXXX through XXXX XXXX XXXX on XX/XX/XXXX and I paid a down payment cash of XXXX and i also traded my old XXXX XXXX XXXX in and was told that it would be applied to the total amount of the auto loan However Ive recently went over my contract and discovered that was a lie. Which now Considers this contract null and void.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (ID)

Equifax, experience .tranunio I have done online disputes disputes by mail and called there fraud depts about in authorized disputes and the always say they were validated and accurate which ifalse is have filed complaint with fcra filed a identity theft report called each individual inquiry 1 company removed it These are the inquires that Still remain and are so called validated By bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These r violations 15 u s c 1681 section 602 a states I have a right to privacy 15 u s c 1681 604 sec 2 also states a consumer reporting agency cant furnish a account without my written permissin
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XXXX, XXXX  .tranunio I have done online disputes disputes by mail and called there fraud depts about in authorized disputes and the always say they were validated and accurate which ifalse is have filed complaint with fcra filed a identity theft report called each individual inquiry 1 company removed it These are the inquires that Still remain and are so called validated By bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These r violations 15 u s c 1681 section 602 a states I have a right to privacy 15 u s c 1681 604 sec 2 also states a consumer reporting agency cant furnish a account without my written permissin
Consumer complaint received 2019-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I was wrongfully expelled from XXXX XXXX XXXX on XX/XX/XXXX for protecting my self from another student in the parking lot. Not only have I been receiving falsified information from my loan service company, I think the school is trying to commit financial aid fraud. They have a refund policy in their student handbook that states the school has 45 days to refund any monies due and I got receipt of my certified written request in XX/XX/XXXX. I have tried to contact the school about my request but was told that both financial administrators have resigned and no long work for the school. I received a letter form school official, Mrs. XXXX, on XX/XX/XXXX asking if I wold consider returning to school at least half time because my student loan may be affected due to my 60 day absence.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (RI)

I have been making payments on time to Synchrony bank for all three cards I hold through them, Care Credit, XXXX XXXX and Guitar Center. I make them every month with the only late instance due to their website not processing an automatic payment I set up on one occassion. My fiance and I have stayed gainfully employed through the pandemic, never missed a payment during it, never were struggling to make one and never asked for any sort of forbearance, forgiveness or other help to make the payments during this time. 

Once the pandemic hit and places were shutting down, they " initiated a periodic review '' of my credit report and cut my limits on my XXXX XXXX and Guitar Center credit cards due to " other accounts with other institutions showing over their limits. '' Those accounts were in no way related to Synchrony Bank and only were briefly over their limits due to interest fees and payments not being processed yet because their due dates had not come up yet. 

This reduction of available credit and change to my credit balance to limit ratios has negatively impacted my credit limit for no reason other than them trying to protect themselves due to the pandemic with blanket actions rather than independently reviewing situations.
Consumer complaint received 2019-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed this account information as inaccurate with you twice and now with the CFPB, you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the collection agency myself through Certified Return Request Mail XX/XX/2018 and also through a recent CFPB claim and have been unable to get them to verify that this is my debt. I did not ask for a verification of my address or who the creditor is etc., I asked for a copy of the signed contract with my name on it and what exactly I was being billed for. I received neither. Nothing. The CFPB claim on XXXX XXXX XXXX asks XXXX  to validate these debts, and validate the services rendered that I allegedly received. I was given no evidence of my obligation to pay this debt to this collection agency. In fact they ignored my prior requests until I filed the claim with the CFPB and immediately after they claimed to have forwarded to me verification in XXXX but they werent sure of the date. If this letter was sent it was NOT received at my address and XXXX holds no proof of sending this letter nor proof of it being delivered to my address. This trickery is violating my rights under the FCRA. It is clear that XXXX XXXX XXXX can not legitimately validate this alleged debt as mine. It is now the Credit Bureaus legal responsibility to immediately remove this from my credit report. The FCRA requires you to verify the validity of the item within 30 days. I have sent two letters to your company, which means you have had 60 days to validate this debt and have you not followed through with my requests in accordance with the FCRA. If the validity can not be properly verified, you are obligated by law to remove the item immediately. There is a very clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action to protect my consumer rights. In the event that you can not immediately verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter.
Consumer complaint received 2018-08-05
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. (NV)

On my credit report it states that I have two deliquient accounts with XXXX witch was sent to XXXX XXXX XXXX XXXX with a balance of {$2300.00} on one on XX/XX/XXXX and the second one for {$260.00} on XX/XX/XXXX that do not belong to me and this is the first I have known of it and I filed a dispute with the credit bureau. 

Also there is two accounts that are also in collections from XXXX XXXX XXXX one for {$3300.00} on XX/XX/XXXX and the other one is for {$250.00} on XX/XX/XXXX these accounts are also not mine I have never bailed anyone out of jail and I filed a dispute with the credit bureau on these on XX/XX/XXXX. 

A bank account or credit card at XXXX XXXX XXXX XXXX was opened in my name with a balance of {$600.00} as well on XX/XX/XXXX that was not me I have filed a dispute with the credit bureau on this as well on XX/XX/XXXX
Consumer complaint received 2022-07-27
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. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$760.00}.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2020, I was contacted by my employer 's Human Resources Department to inform me that they had received an unemployment claim on my behalf. I let them know that this was fraudulent and then I filed a report with the Illinois Department of Employment Security ( IDES ). I was advised by IDES to review my credit report with each of the three bureaus. 

When I reviewed my credit report on XX/XX/2020, I noticed an incorrect address as well as an account that I never created - the account type is a credit card and the account name is SYNCB/PPC. In addition, the credit report flagged this account as " Potentially Negative. '' After reviewing the information about this account, it became apparent that this was not a credit card I had opened as I did not even know it existed, so I first contacted the company and they immediately canceled the account and started an investigation. The credit card company confirmed that the address on file for this card matches the incorrect address listed on my credit report. 

I am now filing this report and will be reporting this to local police as well as the other two credit bureaus.
Consumer complaint received 2022-07-27
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$760.00}.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (UT)

Bonneville collections in XXXX XXXX XXXX Utah continues to try and collect on the debt that does not belong to me to the tune of over {$2800.00} for a supposed ambulance ride that I have never taken I have talked to these people and talk to the credit bureaus and told them it is not my debt I've never was in an ambulance and never needed an ambulance they have failed to prove or show me any type of picture ID or identification of mine or signature of mine that agreed to services or a photo or anything
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Before applying instore for the kohl 's card, I asked the associate several times if this was a soft or hard inquiry. She ASSURED ME kohl 's only did soft inquirys and that itwould not show up on my credit as a derogatory remark even if I was denied. Now I check my credit which I am working to fix and find that the associate wrongfully informed me and pressured me into this application which is negatively impacting my credit.
Consumer complaint received 2019-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Two credit accounts were opened WITHOUT my consent or knowledge. One was XXXX ( XXXX ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed. 
Thank you.
Consumer complaint received 2021-07-14
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: Shellpoint Partners, LLC (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

As said please disclose any documents to me & the CFPB of these several accounts that you are claiming with a signed contact with me and this company CONTROL CREDIT CORP. If that cant be disclosed you need to stop reporting to the bureaus and several account when one is only being reported? Please disclose any agreements thats with you directly to the CFPB or legal actions and damages will occur. Like stop the several antics because I will never agree to pay anything with anyone I have no agreement with. Disclose all info with me and this company directly or be sued.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (AL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (PA)

Leasing agreement with Chrysler Capital of XX/XX/XXXX. 
Monthly payments : {$490.00} On XX/XX/XXXX I signed up online on Chryslercapital.com for a recurring Payment Plan Schedule. 

The same day, I got a confirmation from Chrysler Capital, that the plan would start as per XX/XX/XXXX and the Money would be withdrawn from my Bank account with XXXX XXXX XXXX, account ending of XXXX. 

In addition, I was informed that the plan would be in effect until cancellation, in which case I was advised to visit Manage Auto Pay on the account summary or contact XXXX XXXX XXXX XXXX. Furthermore, I was informed that if I had any questions about the recurring payment plan related to my account XXXX I could contact Chrysler Capital directly. 
All signed by Chrysler Capital, XXXX XXXX XXXX, XXXX Texas. 

XX/XX/XXXX I visited the website and paid the XXXX XXXX payment since I was unsure if the plan would cover that payment as well. 

The next thing I learned was on XX/XX/XXXX, that Chrysler capital has reported me to the credit bureaus for an overdue account. 

When I called Chrysler Capital I was informed that the Recurring payment plan was for unknown reasons never made effective in their end. 

I claimed that I have a print of the confirmation of my subscription to the recurring payment plan and that I never got the information that it was not in effect. Also, I informed them that I never received any reminders or notice that I would be reported to the credit bureaus. 

The first person I spoke to was XXXX from customer service, who was kind enough to escalate the matter to the Executive Office, where I spoke to XXXX. 
She confirmed that my attempt was filed in their end, but again she could not explain why the subscription was not effectuated. 
She asked me to send a copy of the confirmation, which I did. 
After that, another individual from the Executive office called me and informed me they could not withdraw the report since it was my responsibility to make sure the payment plan was in effect. 

I informed her that the money was available at the account I had designated, so it has not only been my intention to pay but I was proven capable of doing so as well. 

I hereby complain about Chrysler Capital handling of my case and their report to the credit unions even though the lack of payments was their fault. 

It is important here that my credit score went from XXXX to XXXX, which undermined my capability of refinancing my house. 
Sincerely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA
Consumer complaint received 2022-02-17
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. (AL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. 

I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! 

After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! 

They are using my credit report to input information without authorization for defamation purposes. 

I have open accounts being reported and the same account is being reported as closed. 

In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.
Consumer complaint received 2019-09-09
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. (TX)

inaccurate information on credit report. This is a FTC violation XXXX XXXX on XX/XX/XXXX {$13000.00} - FTC violation XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX {$2300.00} -FTC violation XXXX  XXXX on XX/XX/XXXX {$3900.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$5700.00} - FTC violation XXXX XXXX card on XX/XX/XXXX {$21000.00} - FTC violation XXXX cXXXX XXXX on XX/XX/XXXX {$21000.00} -FTC violation Contact all above companies to have inaccurate information remove. Have made attempts, no response.