davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (IL)

These credit bureaus aren't doing an investigation and asking for proper documentation to verify what their reporting is accurate. I'm asking for method of verification and I've submitted documents and I'm being told they can't accept my documents but they sent them to the companies. These credit bureaus make money off these companies reporting this information and have more priorities with them than the consumer. I would like to have a method of verification sent to me and I've yet to be provided this documentation. I have inquiries that aren't permissible and when I try and dispute them to get them deleted I'm told I have to file a police report or file a FTC complaint. The FCRA doesn't state this anywhere but yet the credit bureaus are allowed to use this false information as a way to not do a proper investigation. The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX, XXXX, and XXXX XXXX XXXX This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : FACTUAL DATA. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via FACTUAL DATA. Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Consumer complaint received 2018-11-16
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: ALLY FINANCIAL INC. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Dear Creditor, On XX/XX/XXXX I have a hard inquiry on my credit report from your company and I did not authorize this inquiry and request that you please remove it immediately. 

On this day I entered the XXXX XXXX XXXX dealership to purchase a vehicle and was not aware that my information was run through to multiple creditors and you are one of them. 

I did not sign anything with your company nor did I authorize you to place a hard inquiry and request that it is removed. 

Thank you XXXX XXXX
Consumer complaint received 2018-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (MI)

I received an auto loan from Santander in XX/XX/XXXX for a XXXX XXXX. I fell on hard times and didnt pay my note for two months. They repossed the car. I paid the money to get it back. I didnt even get a notice that it would be repossed. 

It is now XXXX. I have paid over 16,000 toward the car and I still owe XXXX. I bought the car for XXXX. Every time I call I am never given the proper explanation. I have been taken advantage of and I know something isnt right with the interest rate. I just need a lawyer to look things over for me. Even when they give me a pay off date I divide the money I owe by my monthly payments and the payments far exceed the date they gave me. Can someone please help with this and let me know if there is a class action suit in Michigan against them.
Consumer complaint received 2023-07-25
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. (LA)

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 2019-04-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (GA)

I have been faced with difficulties involving my credit. I have accounts that have been reporting on my credit for some time now that are not mines. I have no idea to how this could have happened nor taken place. These accounts are the result of an identity theft.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the second complaint I have filed with cfpb. The first was filed on XX/XX/19 and closed on XX/XX/19, which is not long enough to conduct an investigation. They should not be allowed to just close an investigation at their whim. Please hold them accountable. I have tried to have two accounts investigated by all 3 credit bureaus. An account with XXXX XXXX Bank and XXXX XXXX XXXX. I have tried to get documentation from the companies and from the bureaus. Showing a signed document for the accounts they are stating are mine. I have not received any supporting documents from any of them. I received a letter from XXXX XXXX Bank saying they no longer have the debt and could not provide any documentation proving I owed a debt. They told me I needed to contact a collection agency XXXX XXXX XXXX. I contacted them, and they also could produce no documentation. I have uploaded letters and communications. Both XXXX and XXXX have done their job and removed the accounts because there is no documentation. Transunion needs to do theirs.
Consumer complaint received 2019-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAVALRY PORTFOLIO SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Dear Sir/Madam, I am XXXX XXXX XXXX XXXX I have been a bank of America customer since XX/XX/2014, and my account has been active throughout these periods. I was the preferred reward member. 
My account was closed without notice to put my house in order with my monthly bills and subscriptions linked to my account and debit card. 
Furthermore, I received my bank account transaction update mail today at XXXX XXXX. 

The XXXX told me at the Bank of America XXXX XXXX that there was nothing I could do about my account closure and that the bank has a right to close my account anytime without giving me any reason. 
The Bank 's action has affected my reputation and integrity. 


Regards XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-16
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. (IL)

On XX/XX/2022 I sent the Consumer Reporting Agencies a Certified letter ( tacking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) asking each Consumer Reporting Agency to provide me with the documentation where I XXXX XXXX XXXX ( the Consumer ) gave the Consumer Reporting Agencies written Instructions to Furnish or publish an account on my Consumer Report. in According to the FCRA Permissible Purposes of Consumer Reports 15 USC 1681b ( 2 ). its now XX/XX/2022 and I still have not received that document from the CRA 's I also asked the Consumer Reporting Agencies to do a full investigation of the accounts that is reporting on my consumer report. the Consumer Reporting Agencies Stated ACCOUNT NAME : XXXX XXXX ASSOC ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX was properly investigated and all the Information was accurate, but how is that possible if the Open date is inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, the Account type is inaccurate and the past due is inaccurate these are grounds for Deletion. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate So once again the law clearly states a consumer reporting agency can not furnish any accounts on my consumer report without my written instructions. and I never gave no one written instruction to furnish anything.
Consumer complaint received 2020-02-07
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. (MI)

I have disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with XXXX, Experian and XXXX. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate credit report,
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (MI)

Ditech Financial recently responded to my letter with respect to the First Date of Delinquency being reported to the Credit Bureaus. Although I appreciate the response, the information remains inaccurate. ( Attached is Ditech Financial response ) Ditech originally was reporting to the credit bureaus a date of first delinquency as XX/XX/XXXX, after their " investigation '', they state the actual first date of delinquency has been updated to XX/XX/XXXX. ( Attached Ditech Financial response ). This continues to be inaccurate. Ditech also provided the loan modification from XX/XX/XXXX. ( Loan Modification attached. )  The modification took place with XXXX, the mortgage was sold to Ditech in XXXX of XXXX ( Attached Loan Assignment ) The Fair Credit Reporting Act defines the first date of delinquency as : According to the Fair Credit Reporting Act ( FCRA ), negative entries can remain on your credit reports for 7 years from the " Date of First Delinquency '' ( DOFD ). The DOFD is the date a consumer first becomes 30 days late, never brings the account current. 

Luckily, I have attached statements showing delinquency from XX/XX/XXXX. They have all been attached to this complaint by date. The information is as follows : Statement Date Past Due Amount Shown on Statement XX/XX/XXXX {$1500.00} ( There was no payment made in XX/XX/XXXX ) XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX XXXX XX/XX/XXXX {$3000.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$3400.00} XX/XX/XXXX {$3400.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$3800.00} XXXX was the last XXXX statement, mortgage was sold to Ditech. The first statement from Ditech shows a past due amount {$4600.00}. 

Ditech reporting the first date of delinquency now as XX/XX/XXXX remains inaccurate based on all the statements and attachments. At that point in time the mortgage was several months past due. The date of delinquency is defined as the fist time the mortgage goes past due and not brought current. This mortgage has not been current since XXXX XXXX per the attachments of statements.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (PA)

On XX/XX/2019, and before I have sent multiple letters to Penn Credit Corp, and offered to pay the balance IN FULL, to which they have never responded, since they have refused full payment, I am assuming the alleged debt is not owed, and as such, I would like the trade line deleted from my credit report
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is  impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

XX/XX/2019 second letter I have been sent from XXXX XXXX XXXX XXXX XXXX stating I have a debt in the amount of {$420.00} from XXXX XXXX XXXX but they will settle for {$170.00}. 
I do not own an account with XXXX XXXX XXXX. 
The phone number listed in the letter from XXXX XXXX XXXX XXXX XXXX is different from that which can be found on their website also.
Consumer complaint received 2018-08-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D. SCOTT CARRUTHERS (CA)

They have been calling me at my workplace repeatedly and I have contacted them several times telling them that I can not take personal calls at work and that they should stop calling my workplace. 
This occurred 9 times in XXXX of 2018.
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arbor Professional Solutions, Inc. (MI)

According to the medical provider, my debt was turned over to a collections agency in XX/XX/XXXX. I DID NOT HEAR FROM THE COMPANY UNTIL I RECEIVED A NOTICE IN THE MAIL DATED XX/XX/XXXX. 

If the medical provider OR the debt collector had TIMELY reached out to me, I would have been able to give them the proper medical insurance information, and insurance would have handled it. But instead this debt collector PURPOSELY waited two years and five months to BEGIN pursing the debt. Because of this, my medical insurance will no longer pay, and I am forced to pay out of pocket to protect my pristine credit.

I am confident that I am not the only person that has been affected by this. If the insurance company handles the debt, then these debt collectors do not make money. However, if they purposely, improperly, and egregiously wait until the contractual statute has passed, then they can collection a portion of the debt owed directly from the consumer. This is FRAUD. This company should be sanctioned for their egregious behavior and have their business license revoked immediately.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (FL)

This is just troublesome! The Credit Bureaus have been ignoring my letters as well as their responsibility to comply with the FCRA section 605b! I have been sending dispute letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a victim of identity theft and that the Items I am disputing were the results of such crime. By the provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1400.00}. If the Credit Reporting Agencies feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as inaccurate and incomplete information. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am seeking your assistance in the verification of the disputed data from my credit report. 

XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2016 Balance : XXXX XXXX-Late/Open Late Dates XXXX
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

On XX/XX/2018, I visited XXXX XXXX XXXX to view new vehicles since my current lease was terming out in a few days. XXXX XXXX, salesman, assisted me on choosing the vehicle that I wanted. I agreed on the vehicle of my choice, so the process continued with the financial portion of the deal. I spoke to XXXX, who was the lease dept. As part of the agreement, the dealership would taken my previous lease and all fees associated with the expiring old lease. Once I agreed on a down payment and monthly payment, I signed the papers and took possession of the new vehicle. Two months passed and I received notification that XXXX XXXX XXXX was charging me over {$4900.00} on mileage overage and was due immediately. I called XXXX XXXX, and he advised me that there was nothing he could do. I called and met with the General Manager XXXX XXXX, and he reassured me that he would be able to help with the misunderstanding, that he would get back to me as soon as possible. Several weeks passed and and several emails later, he advised me that he was not able to assist me with the mileage overage. I told him that was not part of the deal that I made with his dealership and that I would like to return the car and have my down payment of {$2500.00} returned to me. He told me that was impossible since three months have passed and I am stuck with the vehicle.