davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to address a pressing issue regarding the unauthorized disclosure of my credit information. Safeguarding my personal data is paramount to me, rooted in my upbringing and values that prioritize privacy and consent in sharing sensitive information. 
According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; consumer reporting agencies must adhere to stringent guidelines to protect individual privacy. This statute stipulates that such agencies can only release consumer reports under specific conditions, primarily requiring explicit, written consent from the individual concerned. 
It has come to my attention that my credit information has been shared by your agency without my authorization, directly violating section 15 U.S. Code 1681b ( a ) ( 2 ). This section explicitly mandates my written approval before disseminating my credit report. 
The absence of my consent in this instance not only breaches federal law but also disregards my fundamental rights to privacy and control over my financial information.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I have attached a copy of my report to this complaint on the following dates ( XX/XX/24, XX/XX/24 ). I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-10
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. (NC)

I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-18
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. (LA)

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/ This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION (MN)

I am with SN Servicing Mortgage Company and they are absolutely horrible. I am having severe financial problems and I am XXXX and XXXX XXXX XXXX. I told them I am selling my house because of it and all of a sudden they raised my payment by over {$300.00} a month. I called and asked why and I was told it was because of taxes. I called XXXX XXXX Tax Assessor Office and they said that it was not true so I called again and this time I was told that they did not have my Master Association Policy and it had been sent to them in XXXX of this year and now they say they dont have it. I sent it again and they say its not good enough. I tried to make a payment two days ago and the person I have to talk to XXXX XXXX and she refused to accept it. She hung up on me because I was upset and I was told she needed to contact the loan owner XXXX and yet she did not do it. I called yet again and spoke with her and she admitted she never did it so I asked her to please contact them and ask if I can pay. I can not believe she refused to take money from me three times now. I can not pay all of it now. Also, the amount she said I owe now is over {$5900.00} and my mortgage payment before I told them I was selling was {$1200.00} and I am behind three months so for three months ( before I told them I was selling ) should be {$3800.00} so they have added over {$2000.00} to the balance and I asked for the breakdown on how they arrived at that amount and have not gotten anything from them explaining that extra {$2000.00}. I can not believe what is happening. I have perfect credit and am going to pay them the amount that I truly owe but I dont know how to deal with them anymore. They have made me in tears and I am not okay right now, physically, emotionally or anything else and I need help badly to be able to work this out.
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

Santander consumer USA auto loan is reporting my paid off and closed account as late several months in XXXX and XXXX on all three credit reporting bureaus. I have tried on many occasions to dispute these late payments showing documents proving I was not late only to have the dispute closed and nothing fixed. At this point I feel that the entire account should be deleted from all credit reporting agencies to fix this problem in entirety.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (DC)

When I was purchasing car insurance on XX/XX/23, I received a notice that the data that they were pulling from Lexis Nexis did not match the information that I had provided. My sex/gender was incorrect according to their records. I am a female ; their records show I am a male ( incorrectly ). I contacted the company on XX/XX/23 to correct this error. They confirmed that their records state that I am a male ( I am not ), so they opened a dispute and investigation. They will mail me the results of the investigation in 30 days. The results will also show where my data is coming from, as that information was not available to the customer service representative. I was told that the source of my data could be another private company or a government agency like USPS. I requested proof that this error will be corrected with the companies that Lexis Nexis has already sold my data to ; I was told that I needed to wait for the letter in the mail that would have more information and the results of the investigation.
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My credit report is showing several unauthorized inquiries on my credit report that needs to be removed immediately. Listed below will be the dates as well as the bureaus of the unauthorized inquiriesXXXX 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 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 XXXXXXXX XXXX XXXX. These unauthorized inquiries needs to be removed immediately.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: ALMA Financial Assistance Corp. (PR)

My name is XXXX XXXX, and for the year XX/XX/XXXX enter the Alma Financial program ( license XXXX   XXXX ) to help us consolidate our debts in a single monthly lake. We were in the program until XX/XX/XXXX, since I completed the correspondent payments with my clients. With the exception of a single creditor, who rescues them, since, as we are trying to buy our first home, in the managements of it, we realized that we were affecting the credit and decided to handle it personally without intermediaries. Today I have communicated four times to the offices, because we need a payment experience letter. I even went personally and it is closed, they do not have a fixed schedule. They do not attend clients in person. I urgently need that letter, since, we are in mortgage process. First they respond that they can write me a letter because I'm not in the program anymore. Then they tell me they have to talk to management, but they are not available. Then they tell me, that it is the legal division that has to do the most. And finally they tell me that they are going to send me a letter indicating that we already cancel the program, and they will send it by mail but in several weeks, they do not know when they can do it because they have a lot of volume. I'm terrified that because of the inefficiency of this program, I can not get my home. At this time, my family is living separately.
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My credit report is showing several unauthorized inquiries on my credit report that needs to be removed immediately. Listed below will be the dates as well as the bureaus of the unauthorized inquiries. XXXXXXXX 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 Transunion : 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. These unauthorized inquiries needs to be removed immediately.
Consumer complaint received 2019-07-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldridge Pite, LLP (CA)

I filed for bankruptcy chapter XXXX on XX/XX/XXXX and the house I own in that time was discharged on XX/XX/XXXX. I filed chapter XXXX bk on XX/XX/XXXX and the company XXXX XXXX is trying to include this discharged debt on this bankruptcy.
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I saw these unauthorized inquiries from my credit report and I am stressed by it because someone made these inquiries without my consent. Please be aware that I've sent documents for those unauthorized inquiries to be removed.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2018-05-31
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: BMW Financial Services NA, LLC (PR)

On XX/XX/2019 I received two major inquiries in my credit file from Bmw Financial Services and XXXXXXXX XXXX. I never authorized or approved to them to check my credit file. I currently have a joint account were I am a co-debtor. The main debtor of the account was checking to open a new loan and removing me from the transaction, but, for some reason the car dealer and financial institution check my credit file when I have nothing to do with the transaction. 

I never authorized anybody neither verbally nor written to make the credit inquiry. Both inquiries has impacted heavily my credit score and I am very worry of this.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-07-19
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. (SC)

The company " XXXX XXXX XXXX XXXX '' refuses to provide proper documentation to validate the said debt. They continue to report inaccurate information to all XXXX credit agencies. The company refuses to send me original doumentation. It is now stating this account is a charge off and I have yet to receive any documentaion stated such.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (MO)

On XX/XX/23, Ally called me to inform me a new debit card they tried to send me was returned to them because of a shipping problem. We fixed the shipping problem, and the agent stated she would deactivate the new card that was returned to them. She instead deactivated the debit card I currently had. This left me without any way to acess my bank account or any money that I had. 

I called Ally customer service. They stated they would send a new debit card within 4 business days. Since this was before memorial day weekend, this mean that Ally 's error would leave me without any money for around 7 days. When I brought up that this solution would leave me without any money for a week, Ally customer service did not seem to think this was their problem. 

I was given a reference number for this case XXXX. When I tried to get documents for this case, Ally customer service either said they did not see that reference number existed, or in one case simply ignored the request over and over.
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion is unable to process my requests to view and/or freeze my account and subsequently my credit within the reporting bureau. TransUnion disabled my account for non-activity while both XXXX and XXXX have kept my accounts open and accessible to online login. Account recovery using TransUnion forces users such as myself to contact their support hotline, which frequently disconnects and is ultimately, functionally inoperable, forcing users to call back multiple times before being served. 

After waiting in their virtual queue for 20 minutes, the initial support representative reached out to me over the phone and sent the same link which asked me to call in to resolve the issue, setting myself back in the queue I had already waited through. This action additionally disconnected myself from their text support agent. Henceforth this failure to resolve the issue in a timely manner has led to the complaint being filed against TransUnion.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (FL)

U.S. Bank is offering up to a {$500.00} bonus when you open a XXXX  Checking account online with the promo code XXXX I called the bank 's customer service and they told me that the deposit I made met the requirements for the {$500.00} reward, but I would have to wait 90 days at the latest to get the reward. I have completed the combined total of deposits is {$10000.00}, but it has been more than 90 days and I still haven't received the {$500.00} bonus
Consumer complaint received 2024-07-09
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXXXXXX # XXXX
Consumer complaint received 2024-07-19
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. (NC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. It is my understanding that your company will investigate this account for me to ensure accuracy. here is my account i am asking you to verify as accurate. 

XXXX XXXX account # XXXX
Consumer complaint received 2023-05-25
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: CREDIT ACCEPTANCE CORPORATION (TX)

Credit acceptance who was just recently sued by the CFPB for predatory lending as they gave loans they were aware car buyers could not afford & brokered with dealerships to hide higher than advertised interest rates by adding it in the price of the vehicles sold. Credit Acceptance is currently showing my account as closed as of XXXX but yet has a current balance of {$8600.00}. I want this deleted of my report for inaccurate reporting under FCRA as all information reported must be 100 % accurate, as part of their settlement Credit Acceptance is required to make those affected whole. Please remove from my credit report ASAP. Thank you