davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I took a look at my credit report and seen that Toyota MTR is reporting negative and inaccurate information about me. They have been reporting inacurate info against me and defaming me since around XX/XX/2021 on my credit report. I sent in letters and I didnt get a response. They never supplied any information to me to validate the debt or accuracy of their reporting. I do not agree with their actions. I have challenged the accuracy and integrity of the information. ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part
Consumer complaint received 2022-10-12
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. (MI)

my information was misused and has caused harm to me and my report setting me back in a major way because Transunion agency has not been 100 % accurate. I sent along attachments on he violation they continue to break.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian continues to report a bankruptcy on my credit report that is not mine. They claim XXXX has verified that it is valid, however XXXX is not reporting this on my XXXX report. I have asked experian to provide me with proof that XXXX verified this, and experian does not send me proof of the verification. Experian has been provided with police reports more than once, to prove I am a victim of identity theft.
Consumer complaint received 2021-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Lennar Financial Services, LLC (IL)

I gave a 10 % down payment for condo in FL. The amount of {$27000.00} to Lennar. 
The deal did not go through and they still did not refund me my money and only communicate with me via sales person who does not know anything.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, XXXX XXXX is reporting me and my husband as late and delinquent in payment. XXXX and the credit report agencies have been give notice that the services they sold us were under fraudulent terms and they could not report it on our credit by XXXX XXXX XXXX since XXXX. 

The amount is {$12.00}, XXXX on XX/XX/XXXX and filed the legal forms in XX/XX/XXXX.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are constantly reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance XXXX {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX  Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$150.00} XXXX ( XXXX  XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$91.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX : XX/XX/XXXX Balance : {$99.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX : {$91.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$58.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$160.00}
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have incorrect information in terms of my employer who I never worked for on my XXXX, XXXX  and Experian. I want this false information removed from my Credit Report and exchanged with my current employer XXXX XXXX XXXX XXXX in XXXX located at XXXX XXXX XXXX. XXXX XXXX, XXXX TX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (AZ)

The company continues to report my previous mortgage ( Shell-point ) as foreclosure and it was a short sale, that is inaccurate as was not a foreclosure, my next step will be filing a lawsuit if the account is not removed immediately. I have sent countless letters and disputes and continue to be verified as accurate.
Consumer complaint received 2021-07-19
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: TD BANK US HOLDING COMPANY (NC)

Target Bank was sent a letter of dispute. After review of my credit reports, Target Bank has not marked my account as disputed as required by the FDCPA
Consumer complaint received 2023-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

- On XX/XX/2023 I wrote a Validation letter to United Revenue Corp : and they received onXXXX regards to my consumer right of the Debit Collection Act 15 USC 1692g , Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documentation that I have the right to request my second Validation attempt letter to United Revenue Corp : of Agreement docs and more as you will see that I have uploaded ( attached ) is what I sent to them for the second time and by law they have 30 days to validate my request as this is my consumer right of the law. In violation of this request law and ignoring my request of all documentation that you will see attached that I have asked for I demand that this item ( Medical ) that is being reported on my consumer report be REMOVED ( DELETED ) .from my consumer report because of the 30 days past due that I did not receive none of the documentation that I asked for from UNITED REVENUE CORPORATION . I am requesting that the CFPB who protects me as a consumer have this negative information and violation of the 30 day request law that has been ignored REMOVE, ( DELETE ) this item from my consumer report. Thank You!!!
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My account was compromised, a loan company phished my account, I spoke with 5 different fraud departments. They clos! ed the wrong account. There was a digital check that isnt my signature. Yet bank of America didn't resolve the issue. Yesterday day they force closed my account. Every measure that was required of me, I complied. Bank of America had been my personal and business bank for years. XX/XX/XXXX was my first claim. Now XX/XX/XXXX my account was forced closed. Due to the inadequate response, this has affected my business, non profit, and credit score. I reached to the XXXX XXXX. to report my identity and banking information compromised.
Consumer complaint received 2021-05-28
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. (NC)

Hello my name is XXXX XXXX, I have been trying to build my credit but due to identity theft I have these accounts on my report, that are causing a big affect for me to get approved for things so today, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
If any questions or concerns you can contact me at XXXX.
Consumer complaint received 2021-12-08
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-05-28
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (PA)

On XXXX XXXX, I was scammed over the phone by someone claiming to be a fraud claims agent. He gained access to my email and Target Credit Card number and bought {$1700.00} worth of gift cards. Target Card Services sent me a letter stating that because the purchases were made with my credit card number number, I must be responsible for the transactions and are now holding me responsible for the charges. This is absolutely not true. 
I have disputed the denial and recently sent another more detailed letter to Target Card Services.
Consumer complaint received 2020-11-04
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. (NJ)

Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Consumer complaint received 2021-05-28
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Transunion XXXX Re : Social Security Number : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquires that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX 2. XXXX Fd 3. XXXX XXXX 4.

5. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Outsource Group, Inc (SC)

I have wrote this company MediCredit inc, & requested for them to remove This alleged bill from all 3 bureaus. I received serval letters in the mail from MediCredit, INC and I have yet to establish true accuracy and validity of debt, which I requested. My issue is the inability to provide legal proof of the ability to collect debt within the state of South Carolina. I have thoroughly reviewed this company 's unethical practice, no proof of related documents, nothing bearing my signature. This company MediCredit pulling my credit down, I want this company investigated and need this removed from my credit report.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

In XXXX of 2022 I submitted a payment of {$1300.00} to American Express through my XXXX checking account. The amount was subtracted from my checking account, but after two weeks it never posted to my AmEx credit card account. I first tried to deal with XXXX for this. They provided me with documentation about where the money went ( which wasn't my credit card account ) but said the rest was up to American Express to take care of. I submitted all the documents to AmEx in XXXX, they never contacted me about updates on my dispute, they closed my dispute, a representative on the phone tells me they intended to give me a {$1300.00} credit but that has never posted. It is now XX/XX/2022 and AmEx is still not assisting me with this problem.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I opened a XXXX XXXX credit card in XX/XX/XXXX and always paid in full every month. My balance was zero an XX/XX/XXXX and again on XX/XX/XXXX when I closed the card because I didn't use it enough to be worth the annual fee. I received a call last week from XXXX stating that my payment was 57 days past due and I asked how could that be if I closed the account months ago with a zero balance. They stated that a charge was allowed in XXXX of XXXX XXXX months after the account was closed. I have since disputed this charge twice, but have failed to get it removed from my credit report and I am still incurring late charges on a fraudulent charge. I do not receive a paper bill or have access to this account through the app since it has been closed for many months.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have repeatedly and continuously tried to send Equifax Informational Services herein Equifax a letter which depicts that an Inquiry specifically that of XXXX XXXX  made on XX/XX/2020 was fraudulent and I was a victim of identity theft., Since this time and Day of XX/XX/2020 I have repeatedly sent Equifax notices of Identity Theft and Affidavits stipulation that the Inquiry of XX/XX/2020 that of XXXX XXXX was not made by me neither did it have any permissible purpose nor did I XXXX XXXX XXXX XXXX XXXX initiate said request., I even sent them notification from XXXX XXXX  dates XXXX XXXX XXXX stipulating that I was I was a victim of Fraud.. After three attempts I have contacted an attorney who has first requested that I submit a complaint with CFPB before initiating a lawsuit.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX & Equifax fail to delete fraud auto loans from my credit report even though I have submitted and identity theft Affidavit, police report, and my ID which is completely different from the one used to secure these loans my driver license number doesnt even match they still have refused to remove the inaccuracies and have sided with the auto loan company to which both are clearly violations of my rights as a victim of identity theft! On top of that Equifax is apart of the reason my data has been compromised as I was one of the victims of there companies major XXXX data breach and they still fail to help me resolve my identity theft issues which may have been from the affects of that breach. I have submitted multiple disputes all same results with credit companies.
Consumer complaint received 2021-05-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and violation of the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Since XX/XX/2021 I paid my Synchrony XXXX XXXX payment card in full. The balance was {$3700.00}. Both XXXX and XXXX show the account closed by consumer, and paid in full which is correct. 

XXXX however, still shows {$3700.00} - I have contacted Synchrony Bank AND XXXX to have the account information brought current. I asked Synchrony Bank today to send a record update over to XXXX, whereby the customer service representative stated it will take 30 days to have this processed. He was very courteous but I explained I can't wait 30 more days. 

I have already waited 40 days, to add another 30 days, makes it 70 days or almost three months, which is a quarter of a year. 

The issue is, I am refinancing my property, this balance of {$3700.00} / {$7200.00} credit line can be considered high utilization, and a negative factor in my FICO score calculation. Even if it is a closed account, the credit reporting agencies add the credit line to my total credit lines available and use it to calculate the debt ratio of all balances of all accounts.
Consumer complaint received 2018-12-04
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: Experian Information Solutions Inc. (IL)

I have contacted Experian on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (FL)

The car was involved in a car accident last XX/XX/2020 the car was paid by my insurance and gap insurance and I will said over paid and the Company still reporting to my Credit as account not fully paid.