davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (FL)

the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXXXXXX Account Number - XXXX Late Payment - XX/XX/2017 - Late Payment
Consumer complaint received 2021-09-30
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was attempting to get a XXXX loan for school from XXXX XXXX. They did a hard inquiry on XXXX XXXX and then wanted a co-signer. They were sending me info that was incorrect and someone from XXXX XXXX talked me into doing another application and said it would only be a soft inquiry and would not affect my score. This was only 29 days apart. Immediately on transition my score dropped and there are two educational hard inquiries on my file within 30 days. I know this is not correct and they should have only done one hard inquiry. I contacted XXXX XXXX and they put it off on TransUnion. I contacted TransUnion and they said XXXX XXXX has to send something. I want this inquiry into off my credit report. Please help me as neither agency will do what they are supposed to do.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late in the month of XXXX to XX/XX/2019. I do not believe I was late on the dates you are reporting. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

Back in XXXX of 2018 going forward I made payments to PayPal monitored by Synchrony Bank and there was an accounting error in the transaction. It registered as an expense rather than a payment. This happened with each payment for several months and Synchrony Bank said the amount I owed was at a point where they penalized me with outrageous interest fees. My current balance is about XXXX $ and it should be around XXXX . I called them and they put my account on fraud alert and because of that they want me to send them a picture of myself along with a photo Id and I refused for fear of identity theft. They responded by mailing me form letters that showed no trace of a verification code to use when I called. This happened six times. I called again and as always got the run around. They are harassing me with form emails constantly. They simply wont help me outright. I need help. My credit score is in jeopardy.
Consumer complaint received 2020-07-13
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: Experian Information Solutions Inc. (CA)

I was at XXXX XXXX XXXX XXXX XX/XX/2020 because I was trying to refinance my car but I was told that I would not be able to do so because there were accounts in negative standing appearing on my credit. I had no idea what they were talking about until I looked at my credit report and saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts nor did I ever allow anyone to open them in my name. I did not benefit anything fro these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I do not have any contract or agreement with any of these companies and I never allowed them to run my credit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Consumer complaint received 2022-07-09
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: Cascade CISS Holdings, LLC (OH)

In Accordance with the Fair Reporting act XXXX Account, 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 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (FL)

I was taking advantage of due to Malpractice while several laws were broken under the FCRA by your company. Due to this malpractice i have been unable to apply for credit and financially injuring me and hindering me from the ability to apply for credit. I have asked for Validation from Equifax which was ignored when i asked for Validation, Original Instrument of Indebtness, Original Contract, How it was " verified '' and why this innacurate account is on my Equifax and let alone not on XXXX or XXXX. This has dropped my scored XXXX  points and has a bad mark on my report. During the Pandemic i was taken advantage of and my credit reports were marked with negative " late payments '' which was under the Cares Act, previously and even after my payment history was and has been 100 % on Time Payments.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was at XXXX XXXX XXXX today XX/XX/2020 because I was trying to refinance my car but I was told that I would not be able to do so because there were accounts in negative standing appearing on my credit. I had no idea what they were talking about until I looked at my credit report and saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts nor did I ever allow anyone to open them in my name. I did not benefit anything fro these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I do not have any contract or agreement with any of these companies and I never allowed them to run my credit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Consumer complaint received 2022-07-08
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. (PA)

This complaint is regarding the reinvestigation of the information I disputed on my investigative consumer report. You claim the information on my investigative consumer report regarding the account ( s ) I disputed is verified as accurate. I want the description ( s ) of your reinvestigation. The consumer report you prepare for me shall follow reasonable procedures to assure maximum possible accuracy of the information concerning me Pursuant to 15 U.S. Code 1681e ( b ).

Your procedure ( s ) is insufficient regarding a fair, accurate, equitable, confidential, reasonable reporting of me pursuant to 15 U.S. Code 1681a ( e ). Congress finds that you are to have accuracy and fairness of credit reporting and reasonable procedures pursuant to 15 U.S. Code 1681 ( a ) and15 U.S. Code 1681 ( b ) of the Fair Credit Reporting Act. From your reinvestigation, my investigative consumer report did not include information on my character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associates of me or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In fact, from your reinvestigation, my investigative consumer report only included information on my credit record obtained directly from a creditor of me when such information shall not be included in an investigative consumer report. You evidently violated the FCRA!! 

I WANT THE NAMES AND ADDRESSES OF ALL NEIGHBORS, FRIENDS, ASSOCIATES, ETC. THAT YOU SPOKE TO SINCE YOU INVESTIGATED THE ACCOUNTS ON MY CONSUMER REPORT AND VERIFIED IT AS ACCURATE. Because Congress says in order for you to have conducted an investigation you had to have spoken to neighbors, friends or associates, etc., and if you spoke with them the information provided can not be factual. 

With this complaint is the confirmation that you received my correspondence via mail.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

experian dispute XXXX XXXX XXXX filed XX/XX/2022, removed hard inquiry dated XX/XX/2022, showed emailed from XXXX XXXX XXXX XXXX that hard inquiry is to be removed with XXXX contact information to verify, and to remove hard inquiry XX/XX/2022, XXXX told told experian XX/XX/2022 to remove and experian has not removed, XXXX mortgage services told experian XX/XX/XXXX to remove XX/XX/XXXX hard inquiry and experian has not, XXXX companies told them to remove and experian has not, experian had contact information to verify to remove and has not, other XXXX credit companies have removed this inquiry and experian has not, this in itself should be reason to remove, but XXXX other companies told them to remove and myself gave then contact information and email from XXXX XXXX XXXX to remove and experian did not, look up case number experian has proof from me as well, uploaded to them a lot of companies are telling them to remove with documentation, please remove XX/XX/2022 hard inquiry,
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: U.S. Auto Credit Corporation (MI)

I purchased a car from XXXX XXXX XXXX. I had bad credit so they let me put XXXX down and get financed. I was assigned to XXXX XXXX whom since has sold my account to US Auto. They financed a warranty for XXXX but my contract does not explain how much of my biweekly payment amount is going towards my warranty and my loan. I asked how am I supposed to pay off this warranty and they told me I could not, could not have my interest rate changed because my credit score has gone up, werent even reporting to all three bureaus with XXXX XXXX. I got this car that is work like XXXX and my loan is XXXX. Ive made every payment via auto deduction for two years and they cant even answer me why my loan was sold to US auto. I feel like without the option to pay off my warranty, Im still going to be paying interest on it for the entirety of the loan. I cant get the car refinance because the car is not worth what it was sold to me for. So Im stuck in an upside down loan, they knew I was desperate and had become a single parent very suddenly and needed to provide for my daughter. They keep selling my loan to collect fees, they said they do it to the best paying customers they have a list other lenders can pick from to purchase but in the contract it says assign and they said it was reassigned when really it was sold so they can collect a portion of the fee. I wasnt even informed it was being reassigned until it happened. I didnt consent to this
Consumer complaint received 2023-01-17
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: ALLY FINANCIAL INC. (RI)

XXXX ally financial finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  inquiries from unknown times same day by some one else
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I fell behind on my mortgage payment XXXX due to covid19. On XXXX, I applied for assistance with my mortgage company and on XXXX was denied for all options that allow me to keep my home. I was denied for a repayment plan because they say I can't afford it. I was denied a loan modification because they are unable to lower my principal and interest payment. This global pandemic has caused a hardship that would otherwise never have happened and caused a default that otherwise would never have occurred. 

When I bring this to the attention of the CFPB, what happens?! I receive a " courtesy offer '' for a repayment plan that increases my payment from {$1300.00} to {$2200.00}, that just might be the most courteous thing anyone has done for me. That is a joke. 

This is a global pandemic and anything less than you deferring or modifying my unpaid payments is a clear violation of my rights.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX Have 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 States A Consumer Reporting Agency Can Not Furnish A Account Without My Written Instructions.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (AL)

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (AL)

XXXX XXXX from a firm called XXXX called and informed me that she was contacting me in regards to an alleged debt that I owe to XXXX XXXX for some type of insurance debt that I allegedly owed XXXX XXXX. First off, my relationship with XXXX XXXX ended in 2019. Secondly, I paid on a monthly basis when I did do business with them. This predatory attempt to extract money from me has become harassing. This is what I told XXXX XXXX : This is to follow up on the formal dispute form that I thought was enclosed. All I see is a bogus bill from a company that I havent done business with in years. I have no relationship with XXXX XXXX and havent for years, as I have already explained. I will not be entertaining the idea that I have to do an audit for something that I dont have. Please cease all further communication with me, as it will be considered harassment. If any marks are placed on my credit for this fraudulent claim or any other action is taken by your firm or your client, I will pursue to the fullest extent of the law. I do not take my debts lightly, I am an honest small business owner and I pay all of my obligations on time. If this claim was valid, it would have been paid. 

This morning, another person from her firm called and threatened me with telling XXXX XXXX that I waived my rights. I do not owe XXXX XXXX any money. If they are upset that Im no longer a customer then they should have provided better customer service. At this point I feel harassed and threatened and do not deserve this treatment. I pay my bills and I am an honest man. I will be contacting legal representation to address this. I will not be threatened and bullied.
Consumer complaint received 2021-11-18
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: Radius Global Solutions LLC (NC)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (MD)

i have been travelling and had missed some payments. When i tried to catch payments up Lendingclub refused to accept online payments and made me call a toll free number which was difficult when travelling. I was finally able to reach someone and they told me that my loan was now in charge off status. 
They refused to take automatic payments, representative said that i had to call in monthly. 
Their own information says that charge off status is when they " reasonably expect no further payments to be made '' This is clearly not the case! I am trying to make payments and they are making it very difficult. 
This is clearly a way to make things more difficult for the consumer and let lending club profit at the expense of debtors and loan investors.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (TX)

this is the message i receive from them 5 days ago " We are delaying the availability of funds that were deposited to your account ending in XXXX as part of the following transaction : XXXX date : XX/XX/2024 Item amount : {$20000.00} Funds available on : XX/XX/2024 " then today i wake up my account has been restricted with no notice of information about the cashier check i deposited into my account.