davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
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: Regional Management Corporation (FL)

I was notified of a late payment for a loan I never took out, it was apparently fraudulently done through regional finance. I filed a police report and sent in all documents that regional finance required to dispute the ownership of the loan. They promised to remove it from my credit file and it has not been. It is now in charge off. I have disputed the fraudulent loan that I never opened with all three credit bureaus multiple times and it still has not been removed from my credit report. These people are a terror and need to be stopped from wrecking anyone elses credit because they allow fraudulent loans to be opened without any identity verification.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-07-24
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. (GA)

I have tried multiple times to dispute inaccurate information on my experian, and transunion credit report. I have asked both companies to send me any documents with my original signature, or proof that shows that these are my accounts. These inaccurate accounts are listed below. 

the inaccurate items on my experian report are listed below : # 1 XXXX XXXX ( {$8500.00} ) # 2 XXXX XXXX  ( {$620.00} ) I have never done business with these companies. 

These inaccurate items on my transunion report are listed below : # 1 XXXXXXXX XXXX XXXX ( {$2000.00} ) # 2 XXXX XXXX  ( {$620.00} ) # 3 XXXX XXXX ( {$170.00} ) I have never done business with these companies.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Every month, since XX/XX/XXXX, I have notices that XXXX ( my XXXX loan lender ) is providing an incorrect balance and inaccurate actual monthly payment to all 3 credit reporting agencies. Because, I am trying to improve my credit score, the accuracy of this information is very important. Even the XXXX XXXX monthly balance and actual payment is missing, not reported at all. I believe if all of this information was reported correctly, my credit score would be higher.

Every month, I have had to file a dispute with all 3 credit reporting agencies against XXXX. When I contact XXXX they tell me that they are reporting the correct information. 

Only last month did I learn that XXXX is using a third party distribution center to send the updates to all of the credit reporting agencies. I believe this is were the breakdown may be happening. 

Today is XX/XX/XXXX and all 3 credit reporting agencies are still showing the incorrect balance of {$87000.00} for XXXX. I understand the reporting is one month behind, and that XXXX reports information being reported for the month of XXXX is still showing incorrectly.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SOFI TECHNOLOGIES, INC. (MI)

They are the credit card company and the bank account company, SOFI. How could they not " draft '' from my savings account to pay my credit card off? No explanation was given nor was I informed at the time of setting up the $ XXXX month agreement was I informed that I needed to make a {$100.00} payment to become current with my credit card account. My phone number is XXXX. I'll be expecting your call as well as calling the CFPB.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX Date XXXX inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-02
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. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-03-19
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: CORELOGIC INC (IL)

The landlord of the apartment I used to live in put cimicals in the bathroom to fix sinck it was very strong because of that sand us all to the hospital including XXXX XXXX old son .i soed him for that he asked me to live his apartment I did and he reported to core logic company he owned me XXXX $ now I cant look for rent because of that came up in my credit.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$28000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance {$1000.00}
Consumer complaint received 2021-12-02
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. (NV)

Transunion file number : XXXX Date XX/XX/21 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXXhas 2 of the same addresses in which there is no point of 2 of the same address should be showing only one
Consumer complaint received 2020-01-29
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: Bread Financial Holdings, Inc. (CA)

XXXX National Credit Card Cos Did not make this inquiry XXXX XXXX XXXX Amount {$330.00} Date Opened XX/XX/XXXX Acct Status Open **Never received card ; all transactions were made fraudulently and credit has not reversed my balance to {$0.00} XXXX XXXX XXXX Original Creditor 01 XXXX XXXX XXXX XXXX Amount {$610.00} Date Opened XX/XX/XXXX Acct Status Open **account is not mind/ nor did I open this acccount, creditor refuses to close this account after multiple disputes XXXX XXXX XXXX Original Creditor 01 Comenity Capital Bank Amount {$1100.00} Date Opened XX/XX/XXXX Acct Status Open **account is not mind/ nor did I open this acccount, creditor refuses to close this account after multiple disputes
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX turned me down because they said TransUnion gave them the following reasons. When I contacted TransUnition, they said they XXXX turned me down because of one of these general reasons. WHAT IS THE REASON AND WHY IS TRANSUNION giving XXXX reasons that don't apply to me???? If I knew exactly why, I would try to fix it but this is going around and around. 

XXXXXXXX XXXX reasons : Time since most recent account opening is too short DOES NOT APPLY TO ME- I opened my XXXX XXXX in XXXX  Length of time revolving accounts have been established DOES NOT APPLY TO ME- I no longer have a revolving account, paid off Too few accounts currently paid as agreed DOES NOT APPLY TO ME, I only have one account and have paid it on time Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high DOES NOT APPLY TO ME, I DON'T HAVE A BALANCE on my XXXX XXXX XXXX! 
Number of inquiries on credit report I APPLIED TWICE FOR XXXX XXXX WHICH INCREASED INQUIRES ( they told me to reapply!!!! )
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I disputed a XXXX  collection account on my report which is inaccurate. XXXX is reporting a medical bill unpaid and in collections when in fact all my bills with the medical provider are paid in full and were done so via my insurance provider according to contract. Not sure who they bought the debt from but obviously they did not verify it and have made no attempt to do so and are choosing to place this negative lie on my report. I have proof directly from my medical provider to show I have no outstanding balances.
Consumer complaint received 2021-10-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (TX)

I have a mortgage with TCF Bank on a XXXX XXXX I own in XXXX XXXX, MI. It was sold to Huntington Bank in XX/XX/2021. Since then, I've spent 25 hours on the phone and on chat with various personnel who refuse to help provide the new account number or the way to pay the mortgage. Everyone hangs up the phone and says " not my department ''. 

I'm concerned because the XXXX XXXX 11 low income vulnerable families and if Huntington forecloses on the XXXX  they will lose their XXXX. I have never been late and my credit score is great, but Huntington Bank and their representatives have no interest in helping make this a reasonable outcome. 

I've tried working with my banker, XXXX XXXX in XXXX, MI as well as XXXX from the chat help. She created a case ID XXXX but of course, couldn't help.
Consumer complaint received 2024-02-28
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STERLING JEWELERS, INC. (MI)

On XX/XX/XXXX I opened up a Kay Jewelers Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Kay Jewelers credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory.

I hired a 3rd party company to try and dispute this. They reached out to Kay Jewelers but all Kay Jewelers did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.
Consumer complaint received 2018-03-07
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. (CA)

In XX/XX/2017 I worked with a company XXXX XXXX XXXX who " bought '' a credit card debt from XXXX XXXX. In a good faith effort to pay that debt and clear it up, I paid the " OFFER '' amount to settle it in full for XXXX out of XXXX owed. I paid the XXXX to the collection company on XXXX 's behalf and XXXX refused to and still refuses to show " settled paid in full '' according to my agreement with XXXX, XXXX who provided me with a letter stating " Settled in Full ''. 
IF XXXX  is representing as XXXX XXXX collector than I should be given the curtesy of having my account reflect the fact that I did the right thing and paid the agreed Settlement amount.
Consumer complaint received 2019-03-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I write to complain against Toyota financial. They claim that I owe them the amount of {$6000.00} and has sent me to collections. I can not pay this amount. Instead, I write to request my {$2000.00} down payment be refunded. 

In XXXX of XXXX, I obtained a loan for a XXXX XXXX XXXX, XXXX and made a {$2000.00} down payment to Toyota financial through XXXX XXXX located on XXXX XXXX XXXX XXXX PA XXXX. 
The vehicle was defective ; it had a cracked windshield, broken view marrow engine was bad. The weekend I took it home the engine became dead, and the car refused to start. I immediately reported this to the XXXX car dealer and was told via phone and in person by the manager, that there was nothing they could do about it. Per my request, they could not repair the vehicle nor give me a replacement vehicle. My insurance company provided a tow truck and transported the vehicle back to XXXX 's lot. Meanwhile, my Lawyer ( XXXX XXXX ; phone number XXXX ) sends them correspondence which they refused to acknowledge. 

In XXXX of XXXX, I received a letter from Toyota Financial informing me that the vehicle was voluntarily turned over and that they will sell to retrieve their money. I got in touch with the dispute team many times informing them of the setback. I provided my lawyer 's information to be contacted. They ignored my requests, send another decision letter that I owe {$6000.00}. 

Kindly consider my formal complaint. I look forward to your assistance in the matter.
Consumer complaint received 2018-03-07
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. (GA)

I submitted a letter in regards to items on my credit report that was not accurate. 

There is 1 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX/XXXX. XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX. XX/XX/XXXX Please make the following corrections to my credit report. 
Thanks in advance
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX****-Balance {$2300.00} XXXX XXXX**-Balance {$4100.00} XXXX XXXXBalance {$3600.00} XXXX XXXX**-Balance {$0.00} XXXX***-Balance {$200.00} XXXXXXXX XXXX****-Balance {$820.00} XXXX XXXXBalance {$260.00} XXXXBalance {$16000.00}
Consumer complaint received 2021-12-02
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. (FL)

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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTECH DIVERSIFIED, INC. (TX)

A company located in XXXX, Texas by the name of Collectech has been notified that the accounts they have listed under my name are not in fact mine, they have continued to report the accounts to credit bureaus even with the report number I have given them from CFPB. I called to see what could be done about the accounts since for years now I have tried diligently to prove these accounts are not mine and have tried to get them removed from my credit. I felt the only way out of the debt being reported would be to pay these items even though they do not belong to me. I called and spoke with a lady at Collectech today, I advised her that one of the two accounts is still showing on my credit and that I needed to see what could be done to remove the item from my credit and clear my name from their system. She proceeded to ask me verifying information, I gave her the account number to the collection I was referring to totaling {$530.00} ; the rep then informed me that there was another account and that I needed to pay them both, I told her that I would make arrangements on that one at a later time but explained that I was a victim of fraud and that neither account was mine so I was doing my due diligence to resolve one of the two accounts at the time. The lady then threatened me by saying she would put them on my credit all over again if I did not furnish a police report and that she would not make an arrangement on one bill but she would make an arrangement on both. I advised it is illegal to threaten to report to the credit bureau an account that has been proven not to be mine and advised I will not pay anything and hung up. ( the rep kept saying the debt was under the name XXXX XXXX which is not my name- i believe this debt was incurred by a girlfriend of my ex husbands- several accounts were opened with my information by my ex husband and his girlfriend to try to damage my credit )
Consumer complaint received 2018-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Greetings, I have previously contacted XXXX, XXXX, and TransUnion informing the company that I have been a victim of identity theft/fraud. XXXX, XXXX, and TransUnion is deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and TransUnion to follow the law, they clearly feel as though the law does not apply to them.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

ATTENTION TO THE CBE GROUP INC FORMER ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$630.00} does not belong to me. This account was fraudulently opened through this company THE CBE GROUP INC FORMER ( XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.