davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (NJ)

I HAVE REACHED OUT TO EXPERIAN FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED 11 INACCURATE ACCOUNTS TO EXPERIAN. THOSE ACCOUNTS ARE XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EXPERIAN HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EXPERIAN AS WELL. If EXPERIAN OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address the ongoing issue with the fraudulent account, XXXX XXXX, still present on my credit report. Despite confirming the identity theft with the associated bank, they acknowledged the error and assured me of the immediate removal of the account. XXXX and XXXX have already removed this account from their records, recognizing the error.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp. (NC)

I first contacted First Investors on XX/XX/22 and provided the following message : We are contacting you regarding the above mentioned loan and an error that occurred with our XXXX loan payment. The payment was returned in error by our bank, XXXX, and therefore caused our payment to be reported as 30 days late to the credit reporting agencies. We've obtained an official letter from our bank acknowledging this error. Please see the attached. We are requesting that based upon this acknowledgement, that you retract the notification to the credit reporting agencies that our payment was 30 days late. 

I received the following message back from First Investors on XX/XX/22 : Subject : XXXX : Regarding Loan XXXX Dear XXXX and XXXX XXXX : Thank you for contacting us about your account. At First Investors, it is our objective to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) when we furnish information about a consumer to a consumer reporting agency. Therefore, our commitment is to research all actual disputes submitted to us to ensure that we are reporting accurate information to the consumer reporting agencies. 



After receiving your dispute, we have reviewed your account information to verify the accuracy of the information on your credit file. As a result of our investigation, we submitted an update to the consumer reporting agencies to which we report to update your account as current with no delinquencies. Please allow up to 3 business days to view the updated information on your credit file. Please see attached response letter for your records. 



If you have any questions regarding this issue, please contact us at XXXX. 



Thank you, Credit Bureau Update XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Celebrating 33 Years in Business My credit report was updated after the letter was provided, however, the credit companies went back to reporting the late XXXX payment. I've submitted disputes, but First Investigators continues to inform the credit companies that the XXXX payment was late.
Consumer complaint received 2023-12-15
Product: Credit reporting 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-10-04
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. (CA)

The company XXXX XXXXXXXX XXXX has caused a number of problems on my consumer report. 

XXXX XXXXXXXX XXXX is in Violation of 15 usc 6802 a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now the proper notice is that the financial institution may not disclose nonpublic information to a nonaffiliated third party unless the financial institution clearly discloses to the consumer in writing or in electric form.

there are a number of inaccurate things reporting on my consumer report from them as they are violating 15 usc 1681s. they have a responsibility to make sure they are reporting accurate information to the credit reporting agencies and they have failed to do so.

the following items are inaccurate and are causing me damage and economic harm : First and Foremost what is the date of first delinquency? 15 usc 1681s-2 ( I ) ( 5 ) states you are to provide the date of first delinquency to the credit reporting agencies and they have not provided it to me. 

The date of last payment is not consistent with the the CRAs. Equifax is reporting XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX. If this information is coming from you then it should be the same The date last active is not correct. Between the 3 credit reporting agencies they are all reporting something different. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX ( they illegally reaged this account. Equifax is reporting XX/XX/XXXX. This means this will not fall off the credit reporting agencies at the same time and there is no true statute of limitations XXXX and XXXX are saying this account is paid while equifax is saying it is derogatory These errors being reported on my credit report are artificailly damaging my XXXX Score and you can be held liable for Violations under the Fair Credit Reporting Act if you are non compliant in this investigation. Fines could be up to {$1000.00} per error or more subject to my state. 


If this issue is not resolved i will be taking XXXX XXXX to arbitration as i have the right to do so in our original credit card agreement for damages of the fair credit reporting act. i will be using the XXXX XXXX XXXX  on my behalf
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquirieson my Experian credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiriesthat I did not authorized and have been payed off. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Upgrade, Inc. (NC)

I notice a company called Upgrade has been reporting on my credit report which is causing me a great amount of stress and has lowered my credit score tremendously. I did contact them send proof such as police report, ID and FTC report letting them know that these accounts are due to identity theft. I have not agreement with them or sign no contract with them to take out any loan. They emailed me the documents I requested and the date that is on there is XX/XX/2022.
Consumer complaint received 2022-10-04
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. (FL)

my name is XXXX XXXX, today is XX/XX/2022 and i'm filing this complaint against the unfair practices at EXPERIAN INFORMATION INC without any help or assistance ... ... ... ... ... ..... 
in pursuit to FCRA 15 U.S.Code 1681i ( B ) ( i ) 15 USC 1681i ( B ) ( i ) -Information cant be reinserted without the information being reported 100 % complete and accurate. 
AFFIDAVIT Notice, it is a fact, affiant is aware, this information was previously deleted as shown in EXHIBIT ( A ). However I see this information associated with XXXX  ACCOUNT # XXXX has been reinserted on my consumer report yet again, and it is reporting both incompletely and inaccurately. This is a violation of 15 U.S. Code 1681i ( B ) ( i ) and XXXX ACCOUNT # XXXX must be removed.
Consumer complaint received 2022-10-04
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 (CA)

I had a old credit card with USAA, and it was sent to a third party XXXX, i paid XXXX to pay off the account, and USAA is refusing to update my credit report
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WSFS FINANCIAL CORPORATION (DE)

My Visa Debit Card was used in a city I was not even in at the time. I sent WSFS Copies of my airline ticket which showed the date I left and they have declined reimbursement of disputed transactions. I left XXXX XXXX on XX/XX/2022 there were 27 charges that posted to my Visa Debit Card on XX/XX/2022 the young lady XXXX asked me why I did not know the transactions were done is because the WSFS Bank had blocked me from the website! I received a letter from WSFS this morning with a letter stating that any dispute was denied! I called and asked for copies of the receipts and customer service said they would send me copies but they did not know what they would look like???
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (PA)

Had been struggling to pay for the auto loan for some time now and just recently have been able to get caught up. I had been making payments in smaller increments bi weekly as I could. Most of these payments were being applied towards the principle and interest. I made a larger payment in XXXX for {$1900.00} expecting it to do the same but a large portion was taken for late fees that should have been allocated to the previous payments I made not during this last payment. I spoke to a rep about this who said there is nothing she can do and was unwilling to work with me on the fees. The fees are totaling over {$500.00} which I believe to be excessive & in no way helps me catch up. During the hardship I was in contact with the bank explaining why I was behind, which was a result of Medical bills that have now been resolved then I had 2 deaths in the family resulting from XXXX that set me back at the start of the pandemic when I was trying to get all caught up.
Consumer complaint received 2022-10-04
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)

TransUnion/ LCI is reporting that the bankruptcy court furnished them with information from us bankruptcy court of New Hampshire XXXX I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted XXXX who also states the same, that they do not verify or supply these credit reporting agencies with information.
Consumer complaint received 2022-10-04
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)

XXXX XXXX is reporting that the bankruptcy court furnished them with information from us bankruptcy court of New Hampshire XXXX I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted XXXX who also states the same, that they do not verify or supply these credit reporting agencies with information.
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (VA)

My mortgage loan was transferred from the previous lender to Lower. However, when the mortgage transfer occurred, my one-month payment was transferred as part of a bulk amount in XX/XX/2022 and Lower company never did their due diligence to apply that payment to my balance. I provided the Lower with the exact payment amount, tracking numbers, and bulk transfer number in XX/XX/2022. Nothing helped or they are not willing to work. As a result, for a few months, they kept my balance past due and even reported it as a delinquent payment to the credit bureaus. This not only hurt my credit score badly but also Lower has not even tried to fix the error despite the fact that I have contacted them multiple times to inform them of it and provided the bulk number information with transfer dates and amounts.
Consumer complaint received 2022-10-04
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)

I have constantly trying to dispute incorrect information on my credit report from these agencies that are not governed by law via myself as well as a credit company and still have yet to see any results. Please rectify said issue, this is grave danger to my livelihood.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I received XXXX different letters dated XX/XX/XXXX from Wells Fargo stating that they will be closing all my accounts ( XXXX business checking, XXXX checking, XXXX savings ) on XX/XX/XXXX. When I called to find out the reason for this they told me it was a " business decision '' and that on their fine print of all accounts they may end the relationship at any time. I asked for a more specific reason because I've been a great customer of the bank since XXXX and they did not provide me with anything. I asked that this be escalated and they transferred me to executive offices and the person I spoke to there said the same thing. I'm appalled by this whole situation and that this is the only reason they gave me. I do not understand at all because I have never had any negative balances, fraudulent activity, paid all my fees, and was a great customer overall. This is completely unacceptable especially since I have never had any problems that would have caused this to happen. No wonder they were fined {$3.00} XXXX for its staggering fake-accounts scandal.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I have been dealing with this problem for a Year. I've had XXXX companies that have had accounts opened in my name by my father. These companies are called Boeing Employee Credit Union XXXX XXXX XXXX There is also a Collections account open that was previously removed XXXX XXXX XXXX XXXX XXXX I need these accounts and collection removed as they were opened fraudulently in my name
Consumer complaint received 2022-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (TN)

I have been dealing with First Financial Asset Management ( FFAM ), for several months about a bill from XXXX XXXX XXXX XXXX. FFAM says I owe {$300.00} total, {$250.00} for car damages to a side window and {$50.00} for an administration fee. Now the rental car did get broken into and I had to pay the repairs up front before I could even rent a new car. I sent the credit card statement to FFAM showing where I paid and my receipt from XXXX XXXX. Plus, you have to have an active credit card on file with a car rental company. In XX/XX/XXXX FFAM said that that the damages I paid for originally wasnt the same thing that they are trying to collect on. I then asked for an itemized list of the charges and they said I should have it within 3-7 business days. They did not even mail it until XX/XX/XXXX. Then the invoice in the letter was the one that I already paid and not even this {$300.00} that I owe. So I called FFAM on XX/XX/XXXX and was told that I have the invoice. Also, I realized the account number they claim is mine from XXXX XXXX isnt even my account number. I have gathered that there is no invoice for the {$300.00}, but they said they would mail it and I should receive it within 3-7 business days. However, when I ask for them to give me details about the invoice for the {$300.00} they just say that they are looking at it. I know they likely make commission off collecting this debt, but I want someone to just get rid of this debt that never existed to begin with. I know these individuals are just trying to do their job, but I want this over with.
Consumer complaint received 2022-10-04
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: FC HoldCo LLC (IN)

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Consumer complaint received 2022-10-04
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: General Motors Financial Company, Inc. (IN)

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Consumer complaint received 2022-10-04
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)

I just recently checked my credit report and noticed that I did not authorize anyone employed by these companies to make an inquiry and view my credit report. In addition, I did NOT give EXPERIAN permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. Last but not least I have no contract with EXPERIAN this is a privity of contract.