davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

XXXX and XXXX  not reporting company caused me to have a lower score that violated my FCRA. rights 15 % of credit reports score rely on payment history length have them correct the paid off accounts that aren't reporting as even any kind of history Toyota motor credit ( 5 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX If you look at the report I just applied for a mortgage that I was turned down costing me a great investment property CFPB was put in place to make sure the company did their jobs. The company still harmfully violate our rights costing consumer Billions of dollars not millions
Consumer complaint received 2023-01-13
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. (MO)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Owed : {$6100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. Your inability to provide me with needed documents to prove your claims that the disputed items belong to me should have resulted in the deletion of the items in question. I demand you to comply with the Federal law and have the disputed items removed at all cost.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (MA)

I had a checking account with XXXX XXXX. Few months ago, approximately around early XXXX, I received a message saying my bank account is in negative and I owe them money. I walked into the bank to get it resolved to which they gave me fraud number. I tried contacting them, but they said they can not verify my identity. XXXXXXXX XXXX then keep calling me and asking me to pay them money that was paid towards my discover credit card payment. When I contacted my XXXX credit card, they said the payment from XXXX was returned back, And none of the payment from my XXXX  account is posted on my XXXX  account. SO again when somebody called me, I told them, That the money they asking for, has never been posted to my account, then why should i pay? I had XXXX $ in the account that is also gone, and every week, I get 2-3 calls asking for money. I was okay with that, untill, today i got call from debt collection agency F.H. Cann & Associates stating i owe money to XXXX. This is frustrating. XXXX has closed my account, they can not verify my identity and now they are asking me to pay back the money that was never credited to my account. I dont know what to do. Please help.
Consumer complaint received 2019-09-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP (TN)

It was a loan now its paid in full. 
I have talk to Costmer Service about remove off credit report.

She said a month ago it will be remove with in 3 business days.

It still showing the loan is open on credit report.
Consumer complaint received 2022-10-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted XXXX and Transunion to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request to remove.
Consumer complaint received 2022-10-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 Date of inquiry:01/25/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

Because I had previously disputed XXXX XXXX Servicing a close account which is reporting 5 times 30 days late. One in 2019 and others in prior years. The credit report agencies will not allow me to dispute the 30 days late payments on the close accounts. I'm unable to apply for a new mortgage until this information is updated on my credit report reflect a timely payment history with no negative information. 

I have made all of my payments in a timely manner. 

I also tried to contact XXXX XXXX XXXX and was unsuccessful since this is a close account.
Consumer complaint received 2022-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accscient, LLC (GA)

Nationwide Recovery Service never sent a letter about a collections of {$220.00}. This has just showed up on my XXXX credit report. I have since disputed this on XX/XX/27 to include validation of debt and received no response
Consumer complaint received 2017-07-21
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. (TX)

This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XXXX XXXX or XXXX as stated, this is simply a false statement.
Consumer complaint received 2017-07-21
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. (NV)

I filed a dispute with equifax on X/X/17 checking the status every couple of weeks and always said pending and an estimated date of completion it 's now X/XX/17 and I have no response well over the 30 days they have no phone numbers to reach them only recorded lines that give you certain options then it hangs up on you
Consumer complaint received 2024-03-06
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to get the XXXX XXXX  XXXX  collection account removed from my credit report on XXXX, Transunion, and XXXX. XXXX XXXX and XXXX never sent me documentation for years letting me know that I had an account that was getting escalated to collections. I also never received any itemized document showing what exactly these charges are so that I can make sure they arent fraudulent. I have attempted to contact these parties and they have not sent in any proof showing why the other person on the lease or I owe anything. The only things they have sent are statements from a different apartment complex that they are running a collection for- but that is not THIS account. XXXX and transunion BOTH removed the XXXX  collection from my credit report and the other person on the lease- but somehow the charges reappeared on ONLY my credit ( and not on the JOINT persons ) and its a whole new amount that they are charging!? This is fraudulent activity and XXXX, transunion, and XXXX need to do their due diligence with their investigation. If XXXX XXXX  can not produce pictures from our move out date from XXXX  XXXX  ( which was back in 2021 ), provide an itemized statement showing why we owe this money, and have documentation or some way to show they contacted us to make us aware of these charges/photos/itemized charges. I want this collection off of my credit report due to inaccurate information. How would you know you are accurately reporting a total of charges when you dont know what each charge is for?
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (VA)

I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.
Consumer complaint received 2018-05-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (AZ)

Reference Account Number XXXX VIN XXXX Per my lease with BMW Financial Services , I am allowed to transfer the lease to another individual via the lease assumption process. 

Upon attempting exercise this option in XX/XX/XXXX, I was informed by BMWFS that they would not allow me to move forward as BMW had temporarily stopped new vehicle sales for this model. 

The lease does not allow BMW to prevent the assumption of a lease due to a voluntary stop-sell of new models. Despite informing BMWFS of this, I was told I would have to wait until sales resumed.

Once BMW began to sell the vehicles again, they permitted the assumption to proceed in XX/XX/XXXX. At  this point, their breach has caused me to incur financial losses. 

I am requesting BMW refund all payments made during the period during which they would not allow the assumption to proceed ( which I perceive as the breach period ), as well as refund the assumption fee to cover some of the additional holding costs incurred during that time ( insurance, vehicle registration, etc. ). 
Request BMW refund : Assumption fee : {$540.00} Lease Payments during Breach Period : {$1200.00} ( XXXX XXXX ) Total Request : {$1700.00}
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MN)

My checking account was charged through paypal. They bought two different transactions of bitcoin cryptocurrency. i reported it to Paypal and then went to my bank to close the said account, Paypal did have two closed cases in my favor and said everything would be reversed. i now am getting debt collectors calling me regarding this as Paypal now states I have a negative balance and am supposed to repay the negative balance. these transactions were not of my doing. i am now getting debt collectors calling me. Paypal instructed me to sell cryptocurrency but there terms and conditions tell me that if it an authorized transaction I am not supposed to sell them or I become liable. the first transaction was XX/XX/XXXX XXXX {$300.00} plus XXXX transaction amount. the 2nd amt was {$990.00}, total XXXX with transaction fee. The collection agency and Paypal now tells me I owe the negative balance.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

There is a debt collection company called Jefferson Capital that has put an unpaid collection on my personal credit bureau. It appears that they are trying to collect on behalf of XXXX XXXX. XXXX XXXX has tried to do this to me several times in the past and can not show me where I ever had a past due or unpaid account with them. I had to call them on the phone and have even gone into their retail store but no one can show me this past due record. I believe someone fraudulently used my name because I was a past victim of identity theft ( I had some checks stolen from my apartment in 2006 ). However XXXX still can not provide this documentation even though they try to collect from me every 2 to 3 years for this fraudulent record. The last time I had a XXXX account was in 2006 and it was paid and closed. XXXX is trying to collect a phantom or fraudulent debt from 15 years ago! I have been out of work since the pandemic started and this is once again affecting my credit score. Also, it is the only derogatory credit that I have had in 20 years! Please have them cease this and remove the collection from my credit file. 

Thank you.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act 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, 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 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. (VA)

I have contacted the credit reporting agencies to notify the errors and inaccurate information that is being reported by XXXX XXXX XXXX. According to the credit reporting agencies they verified the information but I'm in clear possession of evidence that clearly shows this account does not belong to me and is fraudulent and needs to be deleted/removed immediately. 

I do not appreciate being given false and misleading information from an investigation that appears did not take place because if it had then the inaccuracies would have been seen and the account would have been deleted. 

Please view the supporting documents and note the name as it appears does not match my given name. The dollar amount is inconsistent with what is reported on the credit report. It also shows a company name and this may be a company account.
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JLB CORPORATION (KS)

My mortgage is with XXXX XXXX XXXX I received the attached letter that, at first glance, appears to be from them. In one spot, in very small print, it references XXXX XXXX XXXX. This is very misleading. I did not call the number, but wanted to express concern that someone could call thinking it was from their lender and not XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC ()

Re : Loan number : XXXX Loan Depot had purchased a lender-placed hazard insurance on my home at _____for exorbitant cost and now Im expected to pay a large sum for it. 
My home owner insurance expired on XX/XX/XXXX of XXXX. At the time I had to deal with some family emergency and I had to travel overseas. Therefore I did not get these notices. Loan Depot then proceeded to buy hazard insurance for my home for the cost of {$5900.00}. I found these notices in XX/XX/XXXX. When I contacted Loan Depot, I was told to submit proof of insurance before you would cancel the policy and I would owe Loan Depot {$2000.00} for the duration of the insurance roughly between XX/XX/XXXX and XX/XX/XXXX. 
This policy is predatory for these reasons : 1 ) It seems to me Loan Depot bought the most expensive policy there is. Theres no accountability on the part of Loan Depot because the money does not come out of Loan Depots account. Not paying would put my home at risk for a foreclosure. Therefore, this action, in effect is forcing my hand to pay an unreasonable sum of money to the benefit of Loan Depot and its associates, whoever this company is that sold this exorbitant policy. 
2 ) I have been a very good customer of Loan Depot. I have always paid my mortgage on time and except for this last incident has never caused any problem with my loan. Yet, Loan Depot did not even take this into consideration before springing into action in order to take advantage of this opportunity to gouge a customer. 
XXXX XXXX
Consumer complaint received 2024-03-06
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. ()

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
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 XXXXXX/XX/XXXX