davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2021-06-10
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: GUARANTEED RATE INC. (IL)

I have reached out to XXXX XXXX to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX claim to have sent a request to the credit reporting agency 's to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and Guaranteed Rate that I did not authorize any loans with Guaranteed rate. Then I was informed it would be removed, and it has not. XXXX XXXX and Guaranteed Rate is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX and Guaranteed Rate also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from GUARANTEED RATE INC via XXXX XXXX is still in my XXXX credit report. I was informed in the attached letter from Guaranteed Rate, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my XXXX credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (TX)

I've attempted to reach out to this company due to them receiving a check from me in attempts to remove an item from my credit report. The checks notations were as labeled, " Negotiation of tender settles debt ". They've responded back stating that they don't approve the check because of " restrictive notations " and they've returned the check to me. I have two screenshots showing that they've actually lied about accepted the money order and never send me the money order back. I've highlighted the response they've given me in my previous complaint and at this point would like the entity deleted off my credit report and I assume there should be no issues when provided documentation. The screenshots are showing on XXXX XXXX that the money was accepted because the balance was {$1.00} lower and provided backup of using the XXXX app and highlighting the discrepancy between the two bureaus of the {$1.00} that was reported. Please remove off my credit report.
Consumer complaint received 2021-02-22
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. (DC)

Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, XXXX reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.
Consumer complaint received 2022-07-18
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. (MD)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$350.00}
Consumer complaint received 2021-02-11
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)

there are a couple of things being reported incorrectly : 1.My account is not being reported to Experian as it is to XXXX  and XXXX  2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

Account shows 30 days late payment from XX/XX/2020 in the amount of {$670.00}. This account never has had a late payment. Please correct this incorrect information on my credit report.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/20. 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 2023-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: M&T BANK CORPORATION (KY)

When I purchased the XXXX XXXX XXXX, I was told that the financial organization, ( M & T bank of XXXX, Ohio ), would allow me to make larger payments than what is required to offset the huge interest rate applied to the loan. When I sent in a payment of {$240.00} and {$1000.00} toward the principal they did not apply it as directed they moved the next payment due until XXXX XX/XX/2023. This besides the fact that the interest rates are out of this world I think their business practices need to be investigated.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MI)

I was notified that there was a collection on my credit report from XXXX XXXX. The collection company is Convergent Outsourcing in XXXX XXXX. I have never used XXXX XXXX. The collection company gave me the account number, the address and email that was used. All of those were not mine. They did use my old phone number and somehow had my last 4 digits of my social security. I do not know how they got those but I did get a new phone and phone number around the same time back in XXXX. The collections lady said maybe they got my old phone number and were able to obtain the info. I only know that it was not me. I never lived at the address given. I never had an XXXX account. I did not have the other phone number used to set up the account. The address given was XXXX XXXX XXXX XXXX IL XXXX. The XXXX account used was XXXX. The email they used is XXXX. The other number attached to the account was XXXX. I have lost a loan because of this issue and can not get this removed from my account without an FTC claim. This charge is NOT mine. I pay my debts. I never opened this account.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (IN)

If I can get a timeline for resolution and a personal contact to follow up with through email I will let the complaint be closed. If that can't be done I will leave a complaint open start and start pursuing other avenue to get a resolution to this. Including but not limited to contacting my congressmen, finding personal messages to American Express employees and forwarding this to my attorney. 

It is unacceptable to me for my complaint to be closed as if there is a resolution when there isn't one. I am re-submitted a complaint that didn't come to a resolution with my credit card company and will keep one open until there is a resolution. Business Credit card was suddenly closed with no reason given on XX/XX/XXXX. There were over {$1000.00} in rewards points on the card when it was closed that can't be used now that the card is closed. After the card was closed we called American Express on XX/XX/XXXX and was told there was no reason for closure and that the representative on the line would take care of the issue for us and reinstate the account. By XX/XX/XXXX the card was still closed and we called support again. Again we were told there was no reason for the card to be closed and that we would have to " reapply '' to have the card reinstated. It is now XX/XX/XXXX and the card is still closed with no follow-ups from American Express XXXX We would like the card to be reinstated and to regain access to our rewards dollars. The response to my original complaint on XX/XX/XXXX was responded to today XX/XX/XXXX. I am summarizing with my interpretation of the letter but it basically stated we don't know why your account was closed, you provided everything that would be needed to reinstate it and the card is still closed. I have attached the companies response from today XX/XX/XXXX which offers no resolution of reasoning.
Consumer complaint received 2022-12-09
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. (FL)

I reached out to the Bureaus on XX/XX/XXXX regarding the XXXX XXXX XXXX. This item is outdated and needs to be removed from my credit profile. According to the FCRA negative and closed accounts can remain on a credit report 7 years after the date of the first delinquency. According to my records this account became delinquent XX/XX/XXXX it is now XX/XX/XXXX this account is outdated and needs to be removed from my credit report. As a consumer I have the right to a credit report that is 100 % accurate. Experian, XXXX, and XXXX all have guidelines that they must follow according to the FCRA. I have also reached out directly to the original Creditor about this matter. I understand that mistakes can happen but I expect each Bureau to make this right. Removed this outdated account from my profile. I am in the market for a new home and my credit report is important to me. I expect each Bureau to remove this outdated account from my credit profile IMMEDIATLEY!
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Formal Request to Investigate and Correct Inaccuracies in My Consumer Reports Dear Sir/Madam, Upon conducting a meticulous examination of my consumer reports, I have uncovered disconcerting inaccuracies concerning reported " late payments '' on specific accounts, including XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. To the best of my knowledge and recollection, I have consistently made on-time payments on these accounts. The inclusion of these inaccuracies not only undermines my creditworthiness but also raises serious concerns regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) and various other legal provisions, including 15 U.S. Code 1681 section 602 A, 15 U.S. Code 1681 section 604 A Section 2, 15 U.S. Code 1666b, 15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), and 15 USC 6802B.

It is imperative to note that 15 U.S. Code 1681 section 602 A establishes my right to privacy, and 15 U.S. Code 1681 section 604 A Section 2 stipulates that a Consumer Reporting Agency can not furnish an account without my written instructions. These legal provisions serve as the foundation of my rights and expectations regarding the accurate reporting of my financial history. The inaccuracies on my credit report, therefore, represent a violation of these rights.

In accordance with the FCRA and the various codes I have referenced, I must also bring to your attention that a mailed check of {$1000.00} per violation is to be issued to me as per USC and CFPB codes. Each inaccuracy on my credit report constitutes a separate violation, and I expect remuneration accordingly. 

If you are unable to provide substantial evidence to support the reported late payments, I insist that you promptly correct my credit report to accurately reflect the true status of these accounts, which is " on time. '' To the best of my knowledge and records, I have never been late on these accounts, and these inaccuracies have the potential to significantly impact my financial well-being. 

After the completion of your investigations and necessary corrections, I kindly request that you send me an updated credit report to the address stated above, along with the checks for the violations. I deeply appreciate your prompt attention to this matter and anticipate the resolution and correction of my consumer reports without undue delay.
Consumer complaint received 2022-06-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Failure to provide notice within 30 days that mortgage had been transferred. 

AutoPay was cancelled due to mortgage transfer, causing a delay in payment posting. 

We called our prior company and was informed that a notice had been mailed, however, we never received said notice. 

There were never any notifications, emails, correspondence, or evidence of this transfer other than this " goodbye letter '' that they claim they mailed on XX/XX/2022.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

On or about XX/XX/2022, I sent certified letters to Experian, XXXX, and XXXX, notifying them of inaccurate personal information on my credit report and requesting that they update the information as I have been a victim of identity theft due to the data breach of XXXX, and most recently XXXX and Experian. I also completed online Dispute Requests to correct the information. To date, XX/XX/2022, the information remains inaccurate. My name, address, and phone number are still incorrect. I have ONE mailing address and any other mailing address is a non-mailable address. I have one correct spelling of my name and one accurate phone number. Yet, all 3 credit bureaus have either refused to update my information, and/or not responded to my correspondence in the required time by law.
Consumer complaint received 2022-02-21
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. (PA)

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

There is an account on my credit report from " XXXX XXXX XXXX XXXX XXXX '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am XXXX  days late. Equifax reports that I am XXXX  days late while XXXX reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

XX/XX/XXXX Loan in the stated amount of {$16000.00} to purchase a XXXX XXXX XXXX funded via Credit Acceptance , Inc. was accepted by me at the Vehicle dealership. 
After weeks of communications with XXXX XXXX in XXXX Ohio I purchased a vehicle, a XXXX XXXX. The salesman, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX after several hours sitting there finally found a lender for the purchase. It was nearing closing time when he came back and told me that the lender, he found was willing to do the loan for XXXX XXXX for the vehicle. The vehicle asking price was XXXX. So, I agreed and moved forward with the purchase agreement. After signing 2 or 3 papers directly for the purchase the financial person stated that he would do the rest of the paperwork online and give me a copy. 
Since it was dark and raining heavily and that XXXX had picked me up at my home I had agreed and did not take the time to read all the documents. I had an hours drive back to Pennsylvania. 
On XX/XX/XXXX I received my notice for payment due on XX/XX/XXXX. After I sent payment, I received several more notices. The next documents received via U.S. mail noted that the loan for this vehicle was for {$29000.00}. I called Credit Acceptance about this, thinking that there was some mistake especially since the papers that I signed noted that the loan amount was for {$15000.00}, or XXXX. On XX/XX/XXXX shortly after notifying XXXX that there was a problem with the exhaust on the vehicle, I could smell it upon startup of the vehicle when cold. The vehicle burned up on the highway after someone notified me that the vehicle was on fire while I was driving at about 65mph. 
The insurance, XXXX sent a payoff notice for the loan. Then I received a statement this month, XX/XX/XXXX for a balance due in the amount of {$14000.00} due on XX/XX/XXXX. I need help with this. According to the insurance company the loan was paid
Consumer complaint received 2021-04-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OR)

To whom it may concern, We have lit. spend hundreds of hours trying to clear up a mess XXXX bank has made! 

1. It started with a chargeback for XXXX that was charged to us that was not authorized twice ( one was credited back the other was not ) we only authorized XXXX to this via trip avisor and so disputed such All we got was a complete run around of the cvc chip was scanned but was not, then stating merchant has not violated terms??? 

Never did we get the funds back despite the tons of calls to XXXX and the XXXX which are your customer service agents. And sent tons of documents in dispute 2. Then we got a charge on the card but was kept being told it was interest with a zero balance Finally we asked the card to be canceled and cleared up and never hear from XXXX again. The statement Being doctored many times by your agents it appears. 

3. Now not only did we never get the credit but you hit our credit report losing 85+ points over your continual mistakes Please clear up our account a credit would be nice but at this juncture just want our credit restored from YOUR Continual mistakes XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Oregon XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Office
Consumer complaint received 2023-11-02
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (MD)

I have written XXXX, XXXX and XXXX in XXXX XXXX about removing this collection from my credit report. The debt was removed in XXXX cause it was 7yrs old. Now 2yrs later Zion Debt Holding LLC Acct # XXXX. {$880.00} put it back on my credit damaging my credit. I have taken the necessary steps of writing the bureaus to let them know that this should be removed from my credit report several times. This letter that I uploaded is my second letter. Thank in advance