davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (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 719tXXXX 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 three 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX i contacted USAA to update my payment history. USAA is reporting inaccurate and incomplete credit information. The credit report from all three bureaus show a history of payment or payments being made late that are not proven and are incorrect. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By USAA reporting inaccurate information without my written consent first, they are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; Pursuant to all the facts I stated above, Ive forwarded written instructions as to what I, a consumer in fact, want removed from the my credit report as well as an updated payment history. I am demanding Deletion of inaccurate late payment history from all consumer reports and a Change of all payment history to paid as agreed or on-time I also DO NOT authorize any automated response or e- Oscar verification method.
Consumer complaint received 2022-03-25
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 three 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to formally request the immediate blocking and deletion of the following accounts due to my being a victim of a recent data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/year> - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/year> - {$00.00} Thank you for your immediate attention to this matter.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (CA)

I signed a contract for an off-grid PV system with a battery backup system with XXXX XXXX On XX/XX/2021 I signed a contract ( loan # XXXX ) with Mosaic to fund the {XXXX} project. As per the terms of my loan there is one disbursement of {XXXX} when the installation is 100 % completed. In CA it is illegal for a contractor to accept funds for work not done. My monthly payments start 90 days after the date the contractor shows evidence to Mosaic the installation is 100 % completed and I confirm the completion. 
I can not get a permit for the type of solar system I signed a contract for. Thus, XXXX  has never completed the installation of the system I signed a contract for. However, on XX/XX/2021 XXXX XXXX fraudulently and illegally told Mosaic the project was 100 % complete. I was never contacted. Mosaic paid XXXX {XXXX}. When I was alerted that it was time to start paying the loan, I contacted Mosaic since clearly there was a big mistake. I dont have a permit, let alone a completed system, why am I paying for this as if it is completed? 
Since XX/XX/2021 I have been trying to get Mosaic to cancel this loan considering I dont have the system the loan is for. When I call Mosaic they start a cancellation case. XXXX XXXX then has 21 business days to contact them and either confirm the install isnt complete or to lie and say the project is ongoing ( which right there shows they lied earlier when they said the project was 100 % complete to get paid right?!?! ). I am on my 5th cancellation case. Each time XXXX calls Mosaic, lies and Mosaic then dismisses the cancellation without even contacting me. Even though I have told them XXXX is lying and shown them proof including the permit denial they still accept XXXX claim that the project is just fine. Why is this so hard for them to understand? I have rescinded the contract with XXXX and I am now in talks with the Contractors State Licensing Board because XXXX has committed quite a few illegalities. I got a voicemail from XXXX  ( my first correspondence with them on the project since XXXX ) stating they would sent paperwork so they can remove whatever items they have left here from my property. Clearly that should show the contract is null and void and the system will not be completed. However, XXXX will not tell Mosaic that because then they will have to give back the money. Do I just have to pay {XXXX} for nothing? I cant afford an attorney. I would like to shut the autopay off because I cant afford it ( my husband is now XXXX ) but if I do my credit will get ruined. This is a loose loose situation and after 6 months I havent gotten anywhere.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (TX)

The checking account was closed without my authorization on XX/XX/XXXX. I was told that my remaining balance of {$110.00} would be issued to me within 7-10 business days. The funds were never received. 

On XX/XX/XXXX, I emailed customer support for an explanation and update on the status of my remaining balance. I was told that they are unable to help me via email. 

On XX/XX/XXXX, I spoke with customer support. An indemnity letter from the depositor ( my payroll provider ) was requested before they issue the remaining balance to me. I then spoke with my payroll department and indemnity was mailed as requested. 

On XX/XX/XXXX, I spoke with customer support again. The first indemnity letter had been rejected and a second indemnity letter was requested. I then spoke with my payroll department and second indemnity was mailed as requested. 

On XX/XX/XXXX, I spoke with customer support again. They said that they would attempt to return the funds to the depositor ( my payroll provider ) within 6 business days.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX placed by XXXX has violated my rights. 

15 U.S.C. 1681 section 622 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 an account without written instructions.
Consumer complaint received 2022-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XX/XX/2022 XXXX online XXXX XXXX attempt to payoff LATE CHARGE BALANCE as online show balance/see attached {$540.00} as its off and higher. I hit submit and nothing happened, no receipt after I have have paid online for SIX years always received a receipt. BY LAW when making payments online a RECEIPT should be received along with payment confirmation. I hit submit 3 times, still no confirmation or receipt via website and via email.XXXX Loan was paid off as I paid the balance {$1900.00}, in which is a total of {$40000.00}. See copy of my paid receipt via email back in XX/XX/2022. Due to the fact I did not receive confirmation nor, funds debited to my account with NISSAN at the XXXX hour, I decided to CHAT w/XXXX. She refused to provide a receipt. She stated they received payment but refused to provide a receipt. NISSAN IN VIOLATION. Nissan calls everyday about my owing one dollar zero cent recording, not only harassing me ever single day, when they call, I pick up, they hang up. REFUSE to ACCEPT FINAL PMT from late charges to Payoff loan, refuse to provide a receipt and CHARGE MY late fees on late charges! IN VIOLATION AGAIN. Nissan performed FOUR VIOLATIONS AND I DEMAND CLASS ACTION AGAINT THIS COMPANGY AND REIMBURSE ME THE FULL AMOUNT PAID, {$40000.00}. 
NOW CFPB, do I need to report you to XXXX as NISSAN IS IN VIOLATION REPEATEDLY and previous complaint you did absolutely nothing and continue to allow NISSAN to violate my rights.I WILL contact OCC, UDAP, UDAAP UNFAIR, DECEPTIVE, ABUSIVE ACTS & PRACTICES. Sounds like a law suit! You allowed XXXX XXXX to charge late charges on late fees..WOW! Intentionally to repo car for non payment of late charges. payment made, not posted or credited my account and showing past due. Nissan in VIOLATION. NISSAN interfered with my ability to effectively make a payment and populated website to not accept payment nor provide a receipt misleading to me as its 100 % unreasonable. Its bad enough the dealership misrepresented me into a warranty they I said NO to clearly as they added it to my contract another VIOLATION, no worries I will file complaint against XXXX XXXX  XXXX as Nissan was well aware of it. Their motto-MISLEAD CUSTOMERS. 
.
Consumer complaint received 2022-06-14
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. (IL)

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (WV)

XXXX in conjunction with Lendmark keeps reporting that all info which is never provided to me the consumer is acceptable and accurate. 
As XX/XX/XXXX XXXX opened up the Lendmark account which is charged off and is ex husband 's account to make it appear as an active auto loan. Lendmark will not make.payment arrangements for specific dates, will not give balance owed which has received XXXX dollars and XXXX dollars in XXXX and XXXX, which is charged off after it was a judgement and paid on, which still has an incredible increasing amount because they will not supply balance, give receipts or bills, or and were not even sure if they could accept money because it was closed but that has not stopped XXXX in conjunction with Lendmark from reporting major discrepancies such as loan amount, saying it was open account, and now messing up my payment history by saying a payment is late when indeed there IS NO payment date set in stone and the consumer has no clue balance owed or if it is even supposed to get payments to it because Lendmark will not produce info. 
Also in XXXX I got divorced. The ex never showed up or responded to divorce but Lendmark accepted his word I had to pay and judge said so. The ex took the car. Lendmark refuses to go after ex XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX unless he calls in because he is pretty much exempt due to a fictious letter. This needs fixed. It is not an open account. It is charged off. It is not late.
Consumer complaint received 2022-08-22
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. (LA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-22
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. (LA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-22
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. (LA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (GA)

I am on a fixed income I charged the maximum on my card, because I am XXXX and I want to start working from home once I get stronger. So when I got the XXXX XXXX very Small one and the immediately increased my minimum payment so I pay that but the interest is still too much because I still need supplies to help me.
Consumer complaint received 2022-08-22
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. (WV)

Transunion in conjunction with XXXX keeps reporting that all info which is never provided to me the consumer is acceptable and accurate. 
As XX/XX/XXXX Transunion opened up the XXXX account which is charged off and is ex husband 's account to make it appear as an active auto loan. XXXX will not make.payment arrangements for specific dates, will not give balance owed which has received XXXX dollars and XXXX dollars in XXXX and XXXX, which is charged off after it was a judgement and paid on, which still has an incredible increasing amount because they will not supply balance, give receipts or bills, or and were not even sure if they could accept money because it was closed but that has not stopped Transunion in conjunction with XXXX from reporting major discrepancies such as loan amount, saying it was open account, and now messing up my payment history by saying a payment is late when indeed there IS NO payment date set in stone and the consumer has no clue balance owed or if it is even supposed to get payments to it because XXXX will not produce info. 
Also in XXXX I got divorced. The ex never showed up or responded to divorce but XXXX accepted his word I had to pay and judge said so. The ex took the car. XXXX refuses to go after ex XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX unless he calls in because he is pretty much exempt due to a fictious letter. This needs fixed. It is not an open account. It is charged off. It is not late.
Consumer complaint received 2023-07-29
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: LCI Acquisition Inc. (PA)

Dear Agency.

This letter is a formal complaint that you are in direct violation of my privacy rights.

I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy.

Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (NC)

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.