davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (NM)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-28
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: WELLS FARGO & COMPANY (MD)

In accordance with the Fair Credit Reporting Act, these creditors Wells Fargo Cards Services, XXXX XXXX XXXX XXXX, The XXXX XXXX, and XXXX Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. Thank you
Consumer complaint received 2023-06-28
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: PENNYMAC LOAN SERVICES, LLC. (OK)

PennyMac Financial Services has erroneously reported a mortgage on my credit report. I disputed the account through XXXX, and PennyMac responded by removing the account. However, PennyMac relisted the account without explanation. This has prevented me from purchasing a new home- XXXX denied my mortgage application in XXXX due to this account. I only purchased one home in XX/XX/2019 through XXXX, where I still reside. It's a three-bedroom home. My wife is XXXX  with our XXXX child, and the due date is expected in XXXX. We're running out of time to purchase and move into a suitably sized home. Please help and contact me with any questions or requests. Thank you very much.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.
Consumer complaint received 2023-06-28
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX, XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XXXX XXXX XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

On or about XX/XX/XXXX, XXXX placed XXXX ( XXXX ) Notice of XXXX XXXX on my Experian credit report. I contacted XXXX on XXXX separate previous occasions to work out a payment plan to avoid charge offs, but they were unwilling or unable to help me. The first Notice of Suit/Judgement is for {$100.00}, an amount which was charged off by XXXX on XX/XX/XXXX. My info from my XXXX account states a date filed with the court of XX/XX/XXXX and a date satisfied with the court of XX/XX/XXXX. I live in Connecticut and never received a notice of lawsuit from XXXX and there is no civil proceeding filed in XXXX XXXX XXXX. If they sued me which Experian indicated they did, they did not bring the action where I am domiciled. 
There is also a Notice of Suit/Judgment in the amount of {$150.00} on Experian, which XXXX charged off on XX/XX/XXXX. The date filed with XXXX is listed as XX/XX/XXXX and the date satisfied with XXXX is XX/XX/XXXX. Again, if they sued me XXXX did not file the action in Connecticut. 
Also, I was not given 30 days to respond to the charge offs. I want these items removed from my Experian credit report immediately. Thank you.
Consumer complaint received 2019-03-15
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)

I submitted a dispute with Experian about a debt being reported on my credit file.. The complaint included the facts that I was being charged an equipment fee ( which was returned ) Also a cancellation of contract fee ( we had already reached the terms of our contract and was no longer in a contract ) I submitted on the XXXX of XXXX and their results were available on the XXXX of XXXX which in no way can ever have the results of a fair investigation.. Also this account in question is being charged for dates we did not live at the residence which i can provide a current lease to the residence we moved to.. 
XXXX XXXX XXXX  XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$630.00} past due as of XX/XX/XXXX.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My check card was used out of state at XXXX XXXX restaurant in the amount of XXXX and XXXX back to back on the same day. I disputed the changes through Bank of America and received a temporary credit in those amounts and the credit was reverse stating that a chip was used. 

The amounts are almost exactly the same.
Consumer complaint received 2023-06-28
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. (TX)

I filled a dispute with Equifax on XX/XX/2023, and with XXXX on XX/XX/2023 about the {$940.00} dollars that XXXX has on my credit report however its still there
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-14
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-28
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. (TX)

In accordance with the Fair Credit Act XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-28
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. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/XXXX ; XXXX XXXX  inquired on XXXX XXXX, XXXX ; XXXX XXXX inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX ; XXXX inquired on XXXX XXXX, XXXX ; XXXX XXXX  inquired on XX/XX/XXXX ; XXXX XXXX inquired something for XX/XX/XXXX XXXX XXXX XXXX inquired for something on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX inqjuired on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2023-06-26
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-06-26
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. (NY)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CT)

On XX/XX/2023, I learned from a credit alert notification that a new collections account had been added to my credit reports in the amount of {$10000.00}. Upon further research, i discovered that my stolen identity was used to obtain an apartment lease somewhere with this property management company in Texas. I have an existing extended fraud alert on my credit reports due to past identity theft issues, and evidently the creditor failed to review my credit report, as it clearly says to contact me and take addition measures to verify my identity before issuing anything. Only about a week later, i received a notice in the mail from a debt collector, Southwest Credit Systems , LP. I promptly send them a response disputing the debt for the reason that it is identity theft, along with the identity theft report that was filed immediately upon my receipt of the alert on my credit reports. As of today 's date, Southwest has not only failed to provide evidence of the debt, but is also continuing to attempt to collect a fraudulent debt.
Consumer complaint received 2023-06-26
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. (NY)

I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts CONSERVE
Consumer complaint received 2023-06-28
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. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (MI)

I had a prior lease with Ford Motor Credit, and recently entered into a new lease agreement. I had the prior lease set up with automatic monthly payments through my bank that wasn't canceled and Ford credit received the payment. Ford credit sent me a letter requesting where to apply the payment, Reference #  XXXX XXXX, on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with a senior analyst who said she'd send an email to investigate and apply the payment, and I informed them I'd make the payment for the remaining monthly balance on XX/XX/XXXX. I made the payment through the online account manager to be paid in full for XX/XX/XXXX, prior to any late charges being owed. I received a call today from a Ford credit collections representative who told me that my account was past due, and no payments have been applied towards my account. I asked to speak to a manager to get this resolved, sat on hold for 10 minutes and then was hung up on. I've attempted to correct the issue, I tried working with Ford credit and fear they will negatively report on my credit unjustifiably.
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (CA)

RE : GM Financial report to credit bureau To whom it may concern, Our lease was ending in XXXX of XXXX. During this time, we were all sheltering in place due to COVID-19. Since the car was not being used, we turned the car back to the dealer approximately 1 month prior to the end of the lease. We did however paid off the lease to avoid any credit issue. We asked the dealer while dropping off the car if there was any other fees we needed to pay and we were told no, that everything was ok. The car was in perfect condition and the mileage was under our contracted limit. 

During this time, my spouses salary was decreased to 80 % of her regular salary and my contract work was put on hold indefinitely. Needless to say, we were experiencing financial hardship. 

About 1 or 2 months later, we received an invoice from GM Financial for approximately {$500.00} for lease end. We were experiencing financial hardship so I tried to negotiate the bill by explaining that if we were not experiencing the pandemic and the ramifications that came along with it we would have traded the car in for another BOLT ( EV ) and therefore would not be billed for returning the vehicle. 

I paid half of the bill ( {$250.00} ) and continued to try and negotiate the other half. GM Financial wouldnt hear our plea therefore we eventually paid the balance after a 90 or 120 day delinquency despite the fact that we were experiencing financially instability. 

Fast forward to XXXX, the economy is trying to get back to normal and employees are being asked to come back to the office physically, we needed to again have an additional vehicle. To our surprise, we have a negative on our auto credit report through XXXX bringing our score down to XXXX. This negative report and a low XXXX XXXX score is costing us thousands of dollars more throughout the life of the new lease. 

We have NEVER been late throughout the length of our loans ( GM FINANCIAL, XXXX XXXX and XXXX XXXX ). 

Can anything be done to take off/strike GM Financials negative report? We are responsible and conscientious people. We do not deserve this treatment and punishment. 

Another question is, we have always paid ALL our bills on time including the 2 auto loans ( XXXX and XXXX with XXXX XXXX  ) that remains in our possession to date, why is it that our XXXX XXXX  scores remains in the XXXX? 

Your attention and reply to this message would be greatly appreciate. 

Thank you, XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-06-26
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: CarMax, Inc. (TN)

I've disputed the missing Payment History on this account. This account is missing 17 months of payment history. The account opened in XX/XX/XXXX. There is no reporting on this account from XX/XX/XXXX to XX/XX/XXXX. It has been removed from the account and this is no longer FAIR. XXXX responded that CarMax verified that the account is accurate. This account is NOT accurate and NOT complete. Based on the reporting and information we have a FCRA violation
Consumer complaint received 2023-06-28
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: CL Holdings LLC (CA)

XXXX XXXX  is in violations FCRA 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.