davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights in the amount of {$970.00}. 

15 U.S.C 1681 section 602 A ; States I have the to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

There are XXXX ( XXXX ) inquiries appearing on my Equifax Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with Equifax and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Subject : Complaint Regarding Inaccuracies in Credit Report Dear CFPB Team, I am writing to formally file a complaint regarding ongoing issues with my credit report stemming from identity theft. Despite my efforts to resolve these inaccuracies with Experian, I have not received satisfactory outcomes. 

My name is XXXX XXXX XXXX. I have taken significant steps to address the identity theft, including filing disputes with XXXX, which resulted in the successful removal of most fraudulent claims from my credit report. So far, here are the results of the on-going efforts : XXXX XXXX XXXX XXXX Total Accounts XXXX XXXX Derogatory XXXX XXXX Collection XXXX XXXX Balances {$59000.00} {$19000.00} However, even with the significant change in my profile, certain derogatory statements remain in the risk factors section that do not accurately reflect my creditworthiness : The date that you opened your oldest account is too recent Lack of sufficient credit history Lack of sufficient relevant real estate account information The total of your delinquent or derogatory account balances is too high These entries continue to negatively impact my ability to secure credit, despite the improvements in my overall credit profile. I believe these statements are misleading and unjust, given my current financial situation. 

I have documented my communications with Experian, which I am prepared to provide if needed. My attempts to resolve this matter directly with Experian have not led to the removal of these derogatory statements, and I am seeking the assistance of the CFPB to address this issue. 

Thank you for your attention to this matter. I appreciate your assistance in helping me resolve this ongoing issue. If you need any further information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-25
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: CAINE & WEINER COMPANY, INC. (NV)

Caine and Weiner XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX & XXXX account XXXX Policy started XX/XX/XXXX policy canceled XX/XX/XXXX Reported to Credit Bureau : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX ) I wrote them a letter on XX/XX/XXXX to verify this alleged credit, I asked documentation and or attemps of veryfying this alleged credit with me before reporting to credit bureau. This company responded on XX/XX/XXXX and all they sent is a bill of {$350.00}. I signed no contract nor agreed for XXXX to start a policy on XX/XX/XXXX.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Financial Services (WI)

On XXXX XXXX I was approved for a joint auto loan. My banking account was used for all the payments for the whole duration of the loan. I made all my payments on time and had no major problems until XXXX of XXXX. I was told I had {$460.00} balance remaining on my loan from XXXX of XXXX, Consumer Financial Service of XXXX, IL never contacted me or show this balance on any of my recipients before XXXX of XXXX. This company falsified payments and the amount paid to all three credit bureaus. As of today XXXX XXXX this auto loan is currently open on my XXXX XXXX account with a balance of {$460.00} with the wrong Lender contact information. I have this auto loan paid-In full as of XXXX XXXX. I dispute both XXXX and XXXX Credit Report on XX/XX/XXXX On XXXX XXXX I filed a complaint with the XXXX XXXX XXXX  as well. I spoke with Consumer Financial Service on the following dates ; XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via phone which were recorded and save because of previous inaccurate information given to me on several different calls. The Lender Change the date to XX/XX/XXXX with the credit bureaus for my auto loan approval date and didnt report my last car payment for the month of XX/XX/XXXX. Its so much fraudulently activity taking place within the company its ridiculous. The Lender refused to call XXXX credit Bureau to close this account that is currently open..stating they dont report to XXXX credit Bureau. I received conflicting information on which credit bureaus this lender report payment history too. This company has destroyed my credit score and stole money from me as well
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2024-11-22
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Although USAA Federal Savings Bank ( USAA FSB ) has issued new cards for my account and the cards show active, the cards are consistently declined by vendors. When the cards were issued, I was told I needed to contact the USAA FSB MOET Team and respond to specific security and use questions. I did contact the MOET Team and responded to their questions on or about XX/XX/2022. My credit card doesn't work. 
I've called my POC at USAA who was working to resolve this issue, and as of this writing, she has failed to return my call. Additionally, I was promised a call back from the office of the CEO of USAA and as of this writing, that call hasn't come. USAA FSB responded to my previous complaint stating all was well because my credit card account has been reopened and that all I had to do was respond to some questions. Clearly, rather than ensuring everything is working as it should and then responding to my complaint, USAA FSB has responded prematurely and has not taken the necessary action to resolve my credit card issue. On XX/XX/2022, I was told by both the credit card department and MOET department that everything I needed to do has been done and that my credit card should work. It doesn't work, thus this additional complaint.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you as well as the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information from 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, the Credit Reporting Agencies are required to remove any accounts and information that 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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} 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 XX/XX/XXXX XXXX XX/XX/XXXX. 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 2022-06-06
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: Experian Information Solutions Inc. (NC)

Payments for my leased XXXX were mailed, received and debited for 9 months at XXXX XXXX XXXX. I was notified to start making payments out to XXXX XXXX XXXX in XXXX of 2021. In XXXX of 2021 XXXX received my payment stamped the check for deposit and then cancelled the endorsement and returned the check. I subsequently made an payment over the phone direct from my checking account. I have since received letters from XXXX apologizing for the error and removing the late fees. When I found out recently that there are XXXX 30 day late payments on my credit report they did an internal review and decided that XXXX did nothing wrong. I have a copy of the check they received, endorsed for deposit and then cancelled. I have spent numerous hours on the phone with these people without any acceptable answers.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I have inquiries on my credit report that I didn't authorized and unaware of. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2022-09-19
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. (KY)

Already reported this account information incorrect. The account type is incorrect. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-19
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. (KY)

I already reported account information is incorrect. The highest balance is incorrect, the negatives months is incorrect, account type, and terms. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-06
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

We were contacted by the USAA fraud department that the account was hacked and they sent new cards ( to me & spouse ). I was sent a suspicious bill for {$20.00} from the collections dept. at USAA. I paid this amount on XXXX and today got a bill for now {$30.00} and they didn't receive my check. My check cleared so they got it. What they are doing is double billing customers which is illegal and predatory. My wife and I intend to cancel our USAA charge accounts as soon as we can. USAA is threatening to turn us into a collections agency. If our credit is harmed, then we will be talking to an attorney about suing them. As it is now we are telling everyone we know NEVER to do business with USAA since they a re a predatory lender.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

Late payments reflected on credit report dur to COVID-19 and family issues during the first few months of the pandemic. The credit card has since been paid off as agreed and closed. Requested the late payments on credit report to be corrected considering the circumstances but request was denied.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-22
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: Maximus Federal Services, Inc. (TX)

Under the Fair Credit Reporting Act, there are laws put in place that prevent certain information from being furnished on the consumer report. 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions and experiences between the consumer, Me ( XXXX XXXX ), and the person making the report ( Aidvantage/XXXX  ) should be excluded from the consumer report. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) no specific extension of credit directly or indirectly should be reported to the consumer reporting agencies ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Aidvantage/XXXX has been reporting ten late payments on ten student loan accounts since XXXX. A late payment could be qualified as a transaction and an experience in this case. Reporting these accounts are a violation of the Fair Credit Reporting Act in itself. I have attached a copy of the specific laws for review. 

Please remove the following accounts from my credit report as to by law they are not permitted to be on my consumer report. 

The late payments were a result of XXXX failing to notify me that my forbearance was coming to an end and instead of notifying me they put late payments on my credit report. The 10 late payments have been on my credit report since XX/XX/XXXX and have gravely affected my life and credit worthiness. Ive been denied credit cards, home loans, car loans, business lines of credit and even jobs due to these items being negligently reported on my credit report despite numerous disputes being submitted. For three years, I have suffered, and it must come to an end today. I have attached the article for review. 

These accounts were transferred to Aidvantage from XXXX. XXXX was sued in XXXX for incorrectly reporting the payment history of millions of consumers. I am one of those consumers affected by this error. 



Aidvantage sent me a generic response without properly investigating my claims. These late payments have gravely injured me and defamed my character. Causing me to not qualify for life enhancing opportunities. 

I have no relationship with Aidvantage, neither did I consent to them having my personal information.