davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Viva Finance Inc. (FL)

XXXX, XXXX XXXX, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, XXXX XXXX, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an XXXX report, If XXXX, XXXX XXXX, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.
Consumer complaint received 2024-04-07
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

An incorrect account information has been discovered on my credit report. This incorrect information is being reported for XXXX by the 3 Credit Reporting XXXX XXXX XXXX, Experian, and XXXX. Below are the incorrect account status as reported by the agencies. 

Last Verified : XX/XX/XXXX ( XXXX ), No date ( Experian ), No date ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), -- ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Closed : XX/XX/XXXX I have requested a Reinvestigation for the inaccuracy to this information reported by XXXX, Experian and XXXX but none of these companies has responded with absolutely certainty of the accuracy of these information.
Consumer complaint received 2024-04-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-07
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: Experian Information Solutions Inc. (GA)

I was about to purchase a XXXX XXXXXXXX XXXX and I wasn't happy with the deal or the interest. They became very aggressive & unprofessional at the end and I left with out signing the last document of sale. They proceeded to run over 8 hard inquiries to damage my credit score. The dealer ship name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX once you take a look at the 1 star reviews you will see a pattern of aggressive abusive behavior.
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

NAME

: XXXX XXXX XXXX ACCOUNT # : XXXX ACCESS # : XXXX SUBJECT : UNRESOLVED NFCU UNETHICAL PRACTICES ( RECURRING ISSUES AND OVERDRAFT FEES ) To Authorized Rep, I am writing to file another complaint against Navy Federal Credit Union ( NFCU ) regarding ongoing issues with unethical practices and recurring problems. This complaint is related to the issues previously raised in my complaint submitted on XX/XX/XXXX, with complaint IDs : ( CFPB ) XXXX, ( CFPB ) XXXX, as well as the subsequent complaint on XX/XX/XXXX with complaint IDs : ( CFPB ) XXXX ( Latest ), ( CFPB ) XXXX, and ( CFPB ) XXXX. On XX/XX/XXXX, I encountered yet another instance of NFCU 's unethical practices. A transaction of {$79.00} that began pending on XX/XX/XXXX was unexpectedly posted the same day instead of the expected posting day of XX/XX/XXXX. This premature posting resulted in a negative balance of - {$86.00}, leading to an Overdraft fee of {$20.00} being posted at the end of the day on XX/XX/XXXX. Furthermore, the negative balance included more instances of NFCU abusing the timing of transaction postings to auto-apply fees. These instances totaled an accumulative amount of over {$80.00} in fees applied on earlier dates within the statement cycle ( XXXX XXXX XXXX XXXX XXXX  ). The wrongful timing of the posted transaction and the accumulation of fees exacerbated the negative balance, preventing me from avoiding additional fees. Additionally, an adjustment credit for the referenced fees was applied and posted on XX/XX/XXXX, totaling {$40.00}. However, had this credit been applied on the correct date, XX/XX/XXXX, as it should have been, I would have avoided further fees entirely. As a resolution to this complaint, I am demanding a full refund and immediate adjustment of ALL fees on ALL accounts applicable from the dates of XX/XX/XXXX through today ( XX/XX/XXXX). I have attached documentation supporting my claims, including screenshots of transactions, correspondence with NFCU, and evidence of the unethical practices. I appreciate your attention to this matter and request your intervention to ensure that NFCU addresses these issues promptly and appropriately. Sincerely,
Consumer complaint received 2024-04-07
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)

Improper use of credit. I was never late on the paid off account listed above. Please show me proof with documentation showing on a transition that shows I was late, to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged payment from my credit report. Thai also violates 15 US Code 1666B with timing of payments.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have some late payment reports in the XXXX XXXX XXXXXXXX XXXX account XXXX, please I need you to update my payments on time or else delete those unfairly late payments from my history, thank you very much
Consumer complaint received 2024-04-07
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. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX 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've attached a copy of my report to this complaint on the following dates XX/XX/2019 XXXX now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-12-13
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. (GA)

On XX/XX/XXXX  I wrote TransUnion to investigate hard inquiries on my credit report that are reporting with my consent or permission. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score. 
I have never received a response back from them and my credit report was not corrected.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MD)

One Main fiancial has me paying per mony ( {$110.00} ) for a loan on credit consolidation with the IRS. The process is not complete and they are saying that we can only now do installemtnst but the service cost me over {$2000.00} to do with them and at the time I could only do this in order to play fo rthe service for them to complete. now when I log in i am told I have to go to another service within One Main Financial and its just confussing and a big mess.
Consumer complaint received 2024-04-07
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. (GA)

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report even with all my repeated attempts to get this information deleted from my reports. The account listed as XXXX XXXX XXXX  has a lot of inconsistencies like High Balance : {$20000.00} {$20000.00} {$12000.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Creditor Type : Auto Financing Auto Financing All Banks Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as Fixed rate a loss by the credit grantor. 
Charged off account XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore an account can not report as a collection and have late payments. The credit bureaus are purposely failing to provide adequate information to reflect my credit worthiness which is causing me significant damages and they lie to the CFPB stating they have fixed the account and its information but they did not.
Consumer complaint received 2024-04-07
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. (NC)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX  Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-04-07
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: Experian Information Solutions Inc. (FL)

Upon reviewing my consumer report I XXXX XXXX Noticed multiple Inquiries I did not authorize. I have contacted all creditors that I found on my consumer report. Creditors stated that I was to file a Report notifying all officials of incidents.
Consumer complaint received 2023-12-13
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. (NC)

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 2023-02-11
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. (FL)

in accordance with the fair credit reporting act, Experian has violated many of my federally protected rights. Experian Is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report. Direct violation of 15 USC 1681B- permissible purposes, as I did not give Experian any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to Direct Violation of 15 USC 1666B and 15 USC 6802 please refer to the documents attached to this complaint, stating the facts and information regarding this matter.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXXXXXX XXXX is reporting me as late on one of my credit cards ( more than 30 days ). I have never been late. I submitted the information to all 3 Credit Bureaus, called customer service at XXXX XXXX and confirmed I was never late 30 days. They had a department I could not speak to and could only send registered letter and information. 

I provided statements to the credit bureaus and copies of my bank statements and sent the same to the department at XXXX XXXX. 

They are still reporting me as late.
Consumer complaint received 2023-02-14
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon checking my Experian credit report I noticed my ( XXXX-account # XXXX ) the balance has not been updated even though I just disputed it with Experian credit reporting agency and they stated account is up to date. Even though I provided support documents to prove otherwise. I will upload documentation from XXXX XXXX  showing my new balance as I have began to pay them off and this account shows about XXXX late payments as well please fix account history thank you and balance as well!
Consumer complaint received 2023-12-13
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. (LA)

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 2024-04-07
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. (PA)

please removed the following accounts and update Account Name : XXXX XXXX Balance : {$500.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX  XXXX Balance : {$500.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX XXXX Balance : {$360.00} Account Number XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$390.00} Account Number XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX XXXX Balance : {$340.00} Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Account Name : XXXXXXXX XXXX Balance : {$360.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account name : XXXX  Account XXXX : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX  Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$620.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account XXXX : {$420.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$15000.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account balance : {$2400.00} Date of account open : XX/XX/XXXX Please delete the following inquiries : XXXX XX/XX/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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Out of no where I see a Collection on my credit report for XXXX XXXX XXXX in the amount of {$270.00} dollars. It shows that the orginal creditor as XXXX XXXX whom I have never done business with. I have sent at least 3 letters to all the credit agencies with no resolution.