davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (TX)

FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX, XXXX & Experian URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of human trafficking, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXXXXXX ), Opened : XX/XX/XXXX, Balance : {$39000.00}, Account : Charged Off XXXX XXXX XXXX XXXX XXXXXXXX ), Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Account : Closed XXXX XXXX XXXX XXXX XXXX ), Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses to Remove : XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A : I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-05
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. (SC)

I reported to the 3 credit reporting agencies that a debt by the XXXX XXXX XXXX had canceled my debt with them. The agencies are not removing this from my credit reports. I believe it should be. Please help
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 I have not authorized any these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (NJ)

Dear Sir or Madam, Thank you for taking the time out of your day to read this letter. My name is XXXX XXXX and I am requesting a goodwill adjustment to remove three closed accounts from my credit reports. 
Im writing this letter because back in XX/XX/XXXX, I was fired from my job due to my employer firing me because I brought up that they were miss paying me. I was a full-time employee working 40 hours each week, I got paid every 2 weeks, but my paychecks were only for one week of work. For two and a half years this was happening to me, I was getting missed paid. I brought this to their attention, and I was fired because of it. Before this happened, I never missed a Credit Card payment, my credit score was great and was saving for my future. 

When I lost my job I still needed to pay my bills and I got myself into debt {$11000.00} with three different accounts, ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) I do understand that I could of handle the situation better and I do take full responsible but at this time was XXXX years old and was the sole provided for brother and sister who was living with me and still in high school. As soon as I was aware of my debt and I knew I couldnt handle it on my own anymore I enrolled in a debt relief program back in XXXX of XXXX, to help me get a grip on my payments. I completed the program as of XX/XX/XXXX never missing a payment, paid my debt back and got back in a good place with my creditors by opening a new credit card with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and never missing a payment. I also was able to get an auto loan with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and paid in full back by XX/XX/XXXX. 
I have tried everything to fix my credit, but it seems like I am stuck and must wait 7 to 10 years till they are removed from my report. I am almost XXXX now and trying to buy a home and start my own family but I keep running into issues because of my credit report and score. The negative impact of these accounts could result in a denial for a loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested by removing the three closed accounts from my report, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (TX)

Experian this is your final notice to DELETE those charge offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my consumer reports!! 

You have been holding this account more than 30 days. This accounts charge offs been under dispute since the beginning of XXXX. I have circled the date of the disputed XXXX XXXX. As of today XXXX XXXX you are still reporting this account on my consumer reports. Until XXXX XXXX. I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!!

18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED.

15 U.S.Code 1681s-2 A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH
Consumer complaint received 2022-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (SC)

I reached out to Receivables Management requesting why they are reporting on my credit report, details of debt, and deletion several times. This company surprisingly showed up on my credit report as a Collections Account yet NEVER mailed or emailed me a bill. This is a direct violation of the NO SURPRISE Act and I am demanding an IMMEDIATE deletion. Not only is this a violation of the NO SURPRISE Act but also a violation of the Privacy Act 15 U.S. Code 1681 602 ( a ) ( 4 ), I did NOT consent to Receivables Management to report to my account 15 U.S. Code 1681s 604 ( a ) ( 2 ), or access details to any medical records as a violation of HIPPA laws. These charges are fraudulent, my rights have been revoked.
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (FL)

On XX/XX/22 I was sued by a company called Credit Corp solutions for the amount of XXXX on a XXXX account they claimed as mine. I explained to the courts and debt collector I have never opened a credit card account with XXXX. In court XXXX XXXX. Solutions had no verification of the debt or any proof the XXXX account was mine. The court ordered a continuance to be investigated for fraud and go back to court on XX/XX/22. I immediately ran my credit reports XXXX, XXXX and XXXX. I could not find the account they are claiming I owe. I also called Credit Corp solutions XX/XX/XXXX and they told me it was under fraud investigation and I needed to wait 30 days. I also asked for extra information on the account to be able to research the debt but was told is under fraud investigation. All I have is the last 4 digits of the credit card I'm missing the other XXXX digits. I still tried contacting XXXX directly and they have no record and could not help me without a full account number. I have contacted Credit Corp Solutions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They continue to tell me they don't know anything and that the account is under fraud investigation. After begin told it would only take 30 days to conclude the investigation. I feel my hands are tied I ran the credit reports as well as contacting XXXX and Credit Corp Solutions and have gotten no information on this account.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (CA)

To whom this may concern, XXXX XXXX Consumer Financial Protection Bureau I am writing to request the removal of unauthorized credit accounts and XXXX, XXXX and/or XXXX ) credit report. My credit that I did not authorize. Please remove any unauthorize information from XXXX XXXX XXXX is {$1600.00} also {$390.00} and this self financial for {$1600.00} with my name on it. None of these transactions was me. It was Fraud. I made a police report about these two accounts.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Oasis Legal Finance Holding Company, LLC (WI)

HI, I first noticed a hard inquiry from Oasis Financial in XX/XX/XXXX, on my XXXX report. I called them & they told me it was an error on their end, it should have just been a soft pull & instructed me to send an email to the manager that handles these issues. & He reached back out to me after a couple weeks stating he already notified XXXX to change the inquiry to soft pull & emailed me proof. I waited awhile & nothing was changed, Oasis Financial told me I need to contact XXXX for the issue because they already did their part. I contacted XXXX several times & I did a dispute to remove this inquiry & they just ignored my request & stating they can not remove it or change the hard inquiry to soft only the company can. I am really exhausted with the back in forth from both Oasis Financial & XXXX, not properly doing their jobs right. In the 1st place I NEVER should of had a hard inquiry, Oasis Financial is a loan company that works with XXXX XXXX cases to let you borrow from your future settlement & I borrowed a few thousands in XX/XX/XXXX & when my XXXX XXXX cases were settled in XX/XX/XXXX, my lawyers paid them back. I was told only time anything would show up on my credit report is if I didn't pay the loan back & the loan was paid back & I was NEVER told there would be a soft inquiry in the 1st place either, so I was shocked when I received a hard inquiry dating XXXX showing up almost a year later. This should be a simple fix to request to XXXX to remove the hard inquiry & change to soft inquiry or just no inquiry at all. This has caused my credit score to drop & I am in the process of preparing to buy my 1st home. It's causing me stress & extra time, to call both companies, just to get no where. I appreciate if they work together to get this matter corrected ASAP! THANK YOU!
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending (HI)

I wish to file a complaint regarding deceptive practices done by XXXX XXXX of Supreme Lending. 

First, I was told I was not able to ask for forbearance on a property. Then I was lied to by XXXX. I have a property that had a fire and was recommended that I do a short sale. The property investor was XXXX XXXX. I provided all the required documentation to the lender. XXXX said that XXXX XXXX required another inspector to view the property and that he had to process paperwork thru you. He was stalling the process because he knew that the loan was going to be sold to another service provider. I was assured by XXXX that he would work with the new lender to finalize the sale. I emailed and called him daily from XX/XX/XXXX thru the XXXX knowing that the contract deadline was XX/XX/XXXX. He ignored all my attempts to contact him. On XX/XX/XXXX, I called the new provider. They told me that they had no knowledge about any of this and that the only documentation send was from XXXX. I called XXXX numerous times and emailed, which were ignored. I called the main line for Supreme Lending. 

While talking to a service rep, who was in contact with XXXX, I saw on my phone that my number was being blocked from further communications. Then they hung up on me. I tried to call Supreme again but after a few moments, the system disconnected me. 

On XX/XX/22, I filed a complaint with XXXX XXXX XXXX XXXX regarding the deceiptful tactics. Today XX/XX/22, I get an email from XXXX that he sent the files over today and to work with the new lender. Since XXXX sent the paperwork over today, he basically sat on my paperwork for a month doing nothing. XXXX XXXX continuously lied, stating that paperwork was held up by XXXX XXXX. He inconvenienced myself, my realtor and buyer with all this deceitful stalling just so he could push the loan off onto another lender. And, by the way it took 20 months of working with him to get to the point where I could attempt to sell. 

The first email is a thread showing us working toward providing XXXX with all requested forms. 

He was supposedly working with the new service provider to ensure the sale of the property, yet the email I received from him XX/XX/22 states he was sending over the packet today. I called the new provider and they had no knowledge of this.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

I have been unable to access my American Express account for over 3 months due to a login issue where I can't get past the two factor authentication because they have the incorrect email listed ( which has been deactivated ). I have verified with them that I am the account owner and have shared the correct email address multiple times, but despite having called American Express every 10 days for over 2 months ( spending over 7 total hours on the phone ), the issue is still not resolved and I still can not access my account. I am unable to see my statements, current charges, manage my payments, activate offers, or interact with my account in any way. There could be fraudulent charges, and I don't have any way of seeing them. My account is on auto pay, and I'm unable to see what I'm paying for. They don't have any physical locations, so this online account is the only way I'm able to access any information related to my services. The last time I spoke to someone was on XX/XX/2022 and they said the issue would be resolved in the next few days. It is now XX/XX/XXXX and I still can't access my account. I have a ticket open with their digital team and they've confirmed it's a bug ( aka it is not my fault ) - a ticket is open with the ticket ID XXXX. I pay an annual fee of {$250.00} for this credit card. Can someone please help?
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

XXXX See this prior complaint. 

XXXX and or/USAA took funds from my XXXX account to cover a USAA credit card payment and there is still no explanation as to what happened to the payment, which USAA does not recognize. 

Furthermore, USAA is charging me interest now. 

{$120.00} on XX/XX/XXXX unexpectedly appeared on my USAA account as a finance charge. 

Please explain and what happened to the check from XXXX. 


There has been no feedback from either company to the complaint above.
Consumer complaint received 2022-09-13
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX is in violation of my privacy rights according to 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 a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-07-13
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. (IN)

This is 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 items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus 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 items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance : {$5100.00}