davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Made a deposit via mobile app to USAA Banking XX/XX/XXXX. Once deposit was made I was advised there a hold on the funds until XX/XX/XXXX. I contacted the bank and was advised the funds could not be released until that date. According to the The Expedited Funds Availability Act of 1987 ( EFAA ) local checks cant be held for no longer than two business day. I asked if a portion of the check could be released before the XXXX as I have no money to live off as well as some payments will return as they are scheduled to come out of the account before the scheduled release date, I was advised no. USAA is the only bank that places such a long hold on local checks and it should be investigated and confirmed if legal.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to file a formal complaint against Experian regarding their handling of a credit inquiry dispute I initiated with their agency, as they have failed to address the issue adequately. 
On XX/XX/XXXX, I submitted a dispute letter to Experian in which I sought to challenge the accuracy of two inquiries that appeared on my credit report. These inquiries, listed below, are associated with credit accounts that I did not apply for : XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX Despite providing clear and detailed information regarding these disputed inquiries, Experian has not taken the necessary steps to investigate and correct this issue. Under the Fair Credit Reporting Act ( FCRA ), I have a right to ensure that the information reported on my credit file is accurate and up to date. I have attached a copy of the dispute letter I sent to Experian, as well as the certified mail receipt to demonstrate my effort to engage in a good faith resolution of this dispute.
Consumer complaint received 2024-09-19
Product: Credit reporting 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. (NC)

This morning, I found unauthorized inquiries on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were unexpected discrepancies. I refreshed my browser hoping it was a glitch, but the inquiries didnt disappear. Please review the documents Ive submitted immediately, so I can stop worrying about this happening again.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Blackwater Capital Group LLC. (IL)

On XX/XX/2018, I spoke with a representative from Blackwater Capital Group, by the name of XXXX XXXX. She contacted me regarding a debt owed to company called XXXX XXXX. She told me that a court case had been filed in XXXX XXXX regarding this debt. However, she told me that it could be dropped if I pay the debt immediately. We discussed a payment date of XX/XX/2018. 
This morning, XXXX XXXX contacted my brother regarding this debt. She gave him personal information about this debt. She told him that they were now going to file a judgement against me, this time in XXXX XXXX and that if I didn't pay this debt, they would cancel my drivers license. This is completely unacceptable. She had no reason to contact my brother, as she had my phone number and I had even given her an updated address. This violates the law. 
XXXX XXXX phone number is XXXX XXXX ext XXXX.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have called and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, and all the required documents asked of me with no assistance. The accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  are fraud accounts and do not belong to me!!!!!! There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. There are also three inquries where someone attempted to get cards in my name from XXXX  XXXX & XXXX XXXX.
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NV)

During the week of XX/XX/XXXX, I spoke with the billing department at Bridgecrest. They notified me that they could not provide me with a paper billing statement that mentions the daily interest and total amount. They instructed me to pay the amount online via their portal and that they would not honor the request because they are a paperless company. I provided them with consumer laws and they continually ignored my request.
Consumer complaint received 2023-11-07
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. (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 XXXX XXXX, XXXX XXXX XXXXXXXX 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 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

In XXXX of 2018, I was a victim of Identity theft. I filed a valid police report via the FTC website, wrote a letter and supplied the appropriate documentation required by the FCRA. 

I sent the letters via certified mail, faxed and uploaded copies each containing copies of my FTC report, my credit report with the fraudulent items highlighted as well as a written statement and proof of my identity. 

I have called multiple times and each time they give me a different excuse. Either they never received the letters, or they claim the Drivers Licence was illegible ( which it was not because a supervisor confirmed that it was legible and properly attached to my file. ) I spoke with the supervisor XXXX ID # XXXX and another ID # XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Attn : Customer Relations Department XX/XX/2023 To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. Mistaken Identity US DEPT ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Mistaken Identity US DEPT ED Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following account that have breached these legal provisions : ACCOUNT NAME AND NUMBER : XXXX XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. I request that the following actions be taken immediately : Investigation of the mentioned violations. Removal of the unauthorized accounts from my credit report. Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ). Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). Notification of the correction to any person who has received my credit report in the past six months. I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-11-24
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. (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.

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 2024-07-26
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. (OH)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX original creditor XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-08-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

I dont have all the dates, but from around XX/XX/year> I started working with MOHELA XXXX qualify theXX/XX/XXXXXXXX XXXX XXXX I called multiple times ( check recordings ) and was told to qualify I needed to consolidate my loans and apply for XXXX XX/XX/XXXX. I was hesitant to consolidate my XXXX because my existing loan interest rates were lower and I had them at those rates for over 10 years. Hesitantly, on a wing and a prayer, I consolidated. Now my interest rate is higher, no loan forgiveness, available from XXXX and XXXX feel completely duped, scammed and will have an even longer time to pay it off forever until I die. XXXX XXXX. This is devastating. Doesnt the PAVE contract I signed count for anything? There is information in the fine print that talks about loan forgiveness and how it will be applied.
Consumer complaint received 2023-11-24
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. (NJ)

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.

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 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

After waiting patiently for several weeks for your agency 's correspondence via mail, I have received an updated copy of my credit report today. Unfortunately, it appears that there are still inaccuracies on my credit profile that require immediate correction and removal in order to prevent my credit scores from declining further. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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 2024-07-25
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. (PA)

Dear : CFPB Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section XXXX account I REVIEWED MY CONSUMER REPORTS AND NOTICED SEVERAL INACCURANCY ON MY ACCOUNT. THIS ACOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURANCY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-07-25
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. (PA)

Dear : CFPB Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 account I REVIEWED MY CONSUMER REPORTS AND NOTICED SEVERAL INACCURANCY ON MY ACCOUNT. THIS ACOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURANCY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX, ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX Account # XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXXXXXX Code : Individual Account Status : Derogatory Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX High Credit : {$190.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Payment after charge off Paid profit and loss Account seriously past due date/account assigned to attorney, collection agency, or credit XXXXXXXX XXXX XXXX XXXX department. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Enterprise Systems, Inc. (GA)

I received a call from NES, National Enterprise Systems. On the call, I requested that a verification of the debt be sent to me and I was told that it was already sent. I informed them that I had not received any information from them and asked if they were refusing my request. The agent told me that I was about to be sued and that they would list on my account that I was uncooperative.
Consumer complaint received 2024-07-25
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. (IL)

LATE PAYMENT XX/XX/year> XXXX LATE PAYMENT COMPANY ( XXXX XXXX ) 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 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.

15 U.S. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act