davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-24
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. (TX)

I have requested the following items to be removed from my credit report they were removed XX/XX/XXXX and then put back on my credit report. The below listed items are not valid debts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opend XX/XX/XXXX still showing open XXXX XXXX XXXX XXXX CREDITOR XXXX XXXX XXXX OPENED XX/XX/XXXX. 

I have tried to get these removed with no luck.
Consumer complaint received 2018-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Navient Solutions, LLC. (TX)

I tried opening a bank account in XX/XX/2016 and was denied. I was a sophomore in college and had never had an account ; neither credit nor a bank. I do have student loans with NAVIENT, so I called them and they assured me all was current, but I didnt get to the bottom of the problem with BANK OF AMERICA. Today i tried opening checking account again and same thing happened. I looked at my credit report but only thing showing up is Navient accounts. 

I'm afraid that someone must have STOLEN my IDENTITY to open a bank account in the past but it is not showing up on my credit report. 

I am a female aged XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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. 

XX/XX/XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2022-06-19
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. (IN)

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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
Consumer complaint received 2017-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been fighting for some time since my identity was stolen and now being apart of the XXXX Data breach of information, i still continue to have to have fight to clean up bogus and inaccurate information. Although the FCRA says that they can not report this information I can not get any help concerning these accounts. I have 2 XXXX, XXXX which I keep telling the credit reporting companies that are not mine and not accurate and the information can not be report on the credit report if it is not correct or if it is not mine. XXXX finally fixed my problem today after properly researching yet Transunion and XXXX refuse.
Consumer complaint received 2017-09-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: United Debt Holdings, LLC (CA)

As of XXXX XXXX, XXXX, I have called the collection company Which they call themselves a mediation company collecting for XXXX XXXX XXXX they have repeatedly called my employer looking of me. Since XXXX XXXX, XXXX they have called my employer. I have told them since XXXX XXXX, XXXX not to call my employer and have given them my cell number and my mailing address. Today, XXXX XXXX, XXXX I asked them what is there mailing address and they asked me if I am represented by an attorney and I said yes. Then they said my attorney needs to contact them and they would not provide a mailing address that my attorney needs to contact them. I told them they are in violation of the Fair Collection Practices regarding the calls to my employer. Then they hanged up on me.
Consumer complaint received 2017-09-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I WAS TRAPPED INTO A CAR LOAN BUT WAS NOT ABLE TO APPLY FOR THE XXXX LAW. I KEPT THE CAR DESPITE COMPLAINING TO THE DEALERSHIP ABOUT THE CAR NOT OPERATING CORRECTLY, AFTER I PAID THE CAR OFF TWICE IN PRICE THE CAR STILL GAVE ME PROBLEMS. A SUMMONS WAS ISSUED FOR A COURT PURSUIT IN WHICH THE COURTS RENDERED THE CASE IN MY FAVOR. XXXX IS THE ONLY BUREAU THAT HAS NOT HONORED THIS DELETION
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have several disputes with Transunion XXXX XXXX. I have also called and tried to reason with the company by telephone. They are reporting incorrect information on 3 accounts : A loan from XXXX XXXXy is showing open with a {$4000.00} balance that is paid in full, a XXXX XXXX credit card that is closed and part of a chapter 13 payback plan is showing open, and a XXXX XXXX is showing I am over my credit limit when the balance is actually only {$55.00}. I have sent a copy of the loan documents stamped paid and a letter stating the loan is paid in full. I have provided a copy of my bank records and a printed receipt for the payment to XXXX for {$660.00}. I have also provided proof that the XXXX XXXX card is included in a chapter 13 and should not show it is open with an {$800.00} limit available. The refuse to acknowledge the XXXX account exists yet, it is clearly there on my credit report and say that they have to go by what the company tells them even if I provide proof of payment. They are completely uncooperative. They are reporting a XXXX XXXX XXXX while XXXX and XXXX are reporting XXXX and XXXX credit scores respectively. This is preventing me from buying a home. I have struggled with Transunion for more than a month trying to get these items reported correctly. I am a person who is being negatively effected by their lackadaisical attitude toward this matter. I need help and do not know where else to turn.
Consumer complaint received 2024-08-18
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. (TX)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Alorica Inc. (TX)

Morning : A gentleman called and asked for a manager. I replied what is this pertaining to? He stated I am looking for " my name '' then he said a woman that is not me. I said no. Then he says is this " my name '' and I said yes. He continued to say he was a XXXX Processor and I need to deliver papers to you. I asked again what is this regarding? He states I am not able to discuss this with you, I am just the processor. I stated Please send me documentation to this address and I will contact them from there. He stated that they don't send mail. I proceed to say, but you will deliver it? He stated are you at " place of work ''? I said this is a business, do not come here and stop calling. I also said if you show up I will call the police. 

Afternoon : A women called and again asked for a supervisor. I asked yes, what is this regarding? She began to speak aggressively and said is this " my name ''? I said yes and she stated that we need to serve papers to you and I need to get your location to serve you. I stated well what is this pertaining to? She said I can not talk about it that is why I need your location and the processor will serve them to you. I stated that well the gentleman that called said he was just a processor and that you, NCO Financial | Debt Collection Agencies | XXXX, would be able to tell me details. I also stated that I would like this in paper and ail it to me and I would be happy to look over it and go from there. She messed up on her script and said we never send mail because of covid. I said so you personally deliver papers because of covid? I believe she was surprised that I knew what this was about because it isn't the first time someone confused me as the other person. She then started yelling uncontrollably and said that I was ridiculous and said that she will go to the CEO and she would not stop calling. I said you will stop calling and if you or anyone from your business I will call the police. I hung up.
Consumer complaint received 2017-08-20
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. (NY)

XXXX XXXX has a accounts on my credit report that should not be there. Auto account number XXXX showing an opening date of XX/XX/2016 Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this false information removed from my report.
Consumer complaint received 2024-08-18
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. (TX)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

My Cash App account was hacked into on XX/XX/23, and the persons used my bank debit card information to steal {$320.00} and {$25.00} that was sent to me on XX/XX/23 to purchase XXXX on XX/XX/23. This is a total of {$340.00}. I filed a police report and alerted the banks involved as well. 

I contacted Cash App support several times to report the scam and they have refused to examine the claim any further than to send me a copy of the transaction as proof that it was completed from my account. They continue to send requests for more information and then after I supply it I get a response that says my claim has been closed because they have not heard from me. They continue to request the same information for XXXX different claims that are actually the same request to have my funds restored.
Consumer complaint received 2017-09-12
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: CNG FINANCIAL CORPORATION (GA)

I 've been calling for the last couple of months in regards to the XXXX  breach. I 've been calling last week to no availability in regards to the XXXX  breach. I 've been disputing for months about these collections and inquiries. I have sent dispute letters along with updating my address and employer. I asked for validation from creditors they sent copies of a bill with a totally different social security number. XXXX XXXX XXXX is one of them. I have called several times they have the last 4 of the ssn as XXXX where else mine is XXXX. I have several unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. Charged off accounts that I have already paid the beginning of this year and have asked to be deleted since I have paid them that are still showing up negatively on my credit report. I have paid my XXXX  medical bill for XXXX, XXXX XXXX credit card that was sent to XXXX XXXX, my XXXX XXXX credit card, XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX. I have accounts that I have disputed several times on all credit reports along with the social security number XXXX that is not mine along with accounts that I was n't aware I owed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have sent validation letters to all 5 companies needing proof that these debts are mine. I have yet to hear anything back I 've also sent this in the beginning of the year. I demanded to see verifiable proof with my signature on file for those accounts. Under the FCRA unverified accounts must be removed if unable to provide me with an copy. I have n't received a copy yet.
Consumer complaint received 2022-06-19
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 Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA (FL)

XXXX XXXX ( CEO ), Yamaha Motor Finance, shall be prosecuted for performing deceptive business practices. 

This letter shall be forwarded to the Internal Revenue Service ( IRS ) as well.

Yamaha Motor Finance be aware you have violated federal law and provided false and misleading information to an Consumer and you will be held criminally liable and accountable.

Yamaha Motor Finance ( XXXX XXXX CEO ) closed my account without my lawful authority and any person who is responsible for violating my consumer rights will be prosecuted.

Yamaha Motor Finance understand you do not have any lawful authority to close my account that have issued, and have security interest in.

I promise you will be held accountable for all your deceptive business practices. 

I have revoked XXXX XXXX XXXXYamaha Motor Finance Power Of Attorney and I am demanding all remedy and demanding all of my property and I claim all my rights to the proceeds and demand all amounts due be payable into me ( XXXX XXXX ) XXXX You have 20 days to return all my property.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX  XXXX and XXXX  XXXX
Consumer complaint received 2024-08-21
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. (SC)

ACCORDING TO 15 US 1681 THIS UNATHORIZED ENTITY USED MY INFORMATION WITHOUT MY COSENT AND WISH TO HAVE INQUIRES REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2022-06-19
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)

In accordance with the Fair Credit Reporting Act XXXX Account with XXXX XXXX acct # XXXX, XXXXDept of Education acct XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2, also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-10
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. (PR)

My credit report shows a XXXX XXXX /XXXX account that opened on XX/XX/2022 with a debt of {$5400.00} to loss that was never opened by me. 
I have never had accounts with XXXX. The address of the company that appears in the report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX TEL. 
XXXX On the other hand, my credit report shows two addresses where I have never lived XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

on XXXX XXXX, XXXX my mortgage was sold to SPS select portfolio services from XXXX my monthly payment was {$570.00} at that time which I had a loan modification with XXXX which is not being honored by SPS, now in XXXX XXXX, 2017 monthly payment is {$1200.00} I have called them 3 times trying to figure out why is my payment so high with no decent answers on XXXX XXXX, XXXX XXXX and XXXX XXXX I have reported them to texas attorney general also and I have not heard from them. I want to know if I could sue them, the reason I have not got a lawyer is because I m on social security XXXX income barley making ends meet with this new payment. I have looked up this company SPS on the internet and found out that they are well known for there predatory practices that a lot of there customers would love to sue them.