davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX put 10 inquiries on my credit report and I only applied one time on XX/XX/2022 I have not applied to any company and I have unverified inquiries on my report. I asked for them to remove the inquiries and they did remove any inquiries
Consumer complaint received 2022-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The debt was paid off in XXXX of XXXX although the account was opened fraudulently and without my knowledge. When i talked to customer service rep she told me once the debt was paid the account would be deleted. After i paid the account, the charge wasn't charged under XXXX XXXX bank. I asked the customer service rep could she email me a receipt of the debt I paid, and I never received the receipt. Fast forward to XX/XX/XXXX the account is this on my CC report closed and negative and affecting my CC report. I called XXXX once aging in XXXX of XXXX and asked another customer service rep if she could email me a receipt of the paid off debt and that XXXX rep failed to do her job and also told me since the debt was paid off the account would be removed
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC (DC)

Early Warning LLC process to obtain a copy of the free consumer report is outdated and cumbersome. It can only be requested by mail or fax. The consumer has to fill out a paper form, and a copy of the person 's license, driver, and passport has to be provided in order to get the report. 
If the consumer does not own a printer or scanner, printing the form and making the identification copy it is passed on to the consumer. So it is not free. 
The other three reporting agencies provide the report online, making it convenient and fast. 
By using such arcane practice, Early Warning LLC discourages the consumer from obtaining the free consumer report.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXXXXXX XXXX  XXXX XXXX has an account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-31
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2022, ,Spoke With, XXXX XXXX, XXXX ( XXXX XXXX,, to Address A Few Issues,, Moving Forward About A W2 1099 Tax Form, And A Identity Works, ,He Didn't Really. Explain What The Plan Really Offer, ,Hr Lied To Me About This Plan, ,He Did Tell Me 3 weeks go That This Plan Pays Additional Fees To Me Too From Wells Fargo Bank , ,He Lied Again,,, I'm Very Upset About This Issue, ,Again I Think Wells Fargo Bank Could Still Offer More Money To Me They Didn't Care At All, ,So UnAcceptable Business Practices,,,
Consumer complaint received 2022-01-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP (OH)

I leased, with the agreement to purchase in XXXX  years a XXXX XXXX XXXX XXXX in XXXX of XXXX. The lender is US Bank. As part of the lease agreement the lender was to send a current registration to me annually in order to renew my vehicle license tags through our local license bureau. The process began in XXXX of XXXX when we failed to receive our current registration in order to renew. US Bank customer service representatives and legal representatives continued to dismiss our requests and complaints and as of today, XX/XX/XXXX I still do not have my current registration. I have been unable to move my vehicle from my garage since the tags expired in XXXX of XXXX. I am receiving no cooperation from this lender, US Bank, although I continue to make my timely lease payments each and every month. I would greatly appreciate some sort of assistance so that I can drive my vehicle legally. 

THANK YOU
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Ive sent all XXXX beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with Beaus ( 1692 ) e. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per 1692g Im asking for verification of debt and also how did all 3 beaus come with such information being reported on my account in regards to 3 miss payments to a XXXX account.
Consumer complaint received 2022-01-31
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offeXXXX n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TN)

In XXXX of XXXX I called Nationstar Mortgage, ( DBA Mr. Cooper ) and entered into a pandemic forbearance agreement. In XXXX of XXXX I called Mr. Cooper asking to come off of the forbearance. In XX/XX/XXXX Mr. Cooper stated my forbearance had ended. I had called Mr. Cooper since XXXX trying to make payments on the home, their response was always the only payment they would accept was the entire forbearance amount to bring the account current. I have attached a screen shot dated in XXXX from my Mr.Cooper account that shows my account is not eligible to make payments. I even filed a complaint with the CFPB because of Mr. Coopers reluctance to to provide a forbearance workout plan. Its was my understanding that paying the entire forbearance amount could not be a requirement for Pandemic related forbearance. Because of their insistence that the account be brought current in full and no other option given to us at the time we were in fear of loosing our house and its equity. My family and I made the very difficult decision to sell the home we loved. It went under contract on XX/XX/XXXX. On XX/XX/XXXX We received a e-mail stating Mr. Cooper had approved us for a loan modification that would begin on XX/XX/XXXX. However it was to late as our home was under a binding contract to sell. The sale of our home closed on XX/XX/XXXX and Mr. Cooper was paid in full on the same date. On XX/XX/XXXX 17 days after the account was paid in full and closed I received notification that Mr. Cooper has reported my account as being past due 120 days. I tried very hard to work this out with Mr. Cooper but at every step they refused to except anything except for full payment of all pandemic forbearance payments until I filed a complaint with the CFPB. This reporting of delinquency is in retaliation for me filing the earlier complaint with your agency.

It is also my understanding that under the CARES act, payments missed due to being on a Pandemic Forbearance plan can not be reported to the credit reporting agencies.
Consumer complaint received 2022-01-31
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: ENCORE CAPITAL GROUP INC. (NY)

someone opened a fraudulent credit card in my name in 2020 now have a balance of {$560.00}. THIS WAS DISUTED WITH THE BANK AND TAKEN OFF MY CREDIT REPORT BUT NOW IT WAS RESOLD TO A COLLECTION COMPANY AND IS NOW ON MY CREDIT REPORT. 

NEVER HEARD OF THIS CARD OR BANK
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have items on my credit report I have disputed multiple times and a lot are older then XXXX months I have not been notified from the bureaus or even given any details on how this item was verified hopefully this matter can be looked at immediately
Consumer complaint received 2024-10-11
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. (FL)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX account ( XXXX XXXX account number XXXX )
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2022-01-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

I have noticed several billing errors in the Truth-In-Lending disclosures section of the Retail Installment Contract - SImple Finance Charge. The first one being the number of payments as well as the amount of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase goods or services from a seller who ( 1 ) refers consumes to the creditors or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as the truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of the amount financed. The {$3000.00} cash payment and the 2020 XXXX XXXX trade-in placed under section 2 which references Total Downpayment ( if negative enter 0 here and see 4H below ). This is in violation of 7 CFR 1436.10 ( c ) The downpayment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 
These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer on the character / amount of any debt 15 U.S.C. 1692 ( e ). All debt obligations and securities are owed to the United States 18 U.S.C 8. 
DO NOT hinder nor delay the delivery of the consumer goods associated with the transaction.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

DEAR EXPERIAN, PLEASE TO ADD MY ADDRESS BACK TO MY CREDIT REPORT THAT IM ABLE TO SEE MY DAILY REFRESHED REPORT AND SCORE ; XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-09
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: Experian Information Solutions 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. 

The letters are stated with items and issues. 

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 2022-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX  - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/2021 XXXX - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called Capital One and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these inquires.