davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (GA)

I recently review my credit report and noticed an account that was not reporting accurately. I had 5 late payments on the account that was in fact paid on time from XX/XX/XXXX to XX/XX/XXXX. It also stating my last payment was XX/XX/XXXX but is being reported as 150 days pass due. The consumer report and 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/XXXX to XX/XX/XXXX. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding these payments be reversed to paid and on time as agreed and never late of the following accounts : EXPERIAN Account Name : XXXX  XXXX Account Number : XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Reporting 3 different dates account open stating account is accurate when its clearly inaccurate. XXXX reports date open XXXX. Transunion reports date open XXXX. XXXX states date open XXXX. How can these all be verified as accurate on the same account and all the open dates are different? All CRAs are clearly reporting inaccurate information and have not removed this inaccurate account from my credit report.
Consumer complaint received 2023-09-22
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-22
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: EQUIFAX, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be delete 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 : 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 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 2023-09-22
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXXXXXX XXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$28000.00} XXXX XXXX  XXXX Balance : {$28000.00}
Consumer complaint received 2024-01-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: KLS Financial Services, Inc (CA)

Around XXXX XXXX 2020 XXXX XXXX  charged me {$910.00} for a Covid- 19 test and I was XXXX XXXX military at the time ( the company should have bill XXXX ). 

KLS Financial Service Violated 604 15 USC 1681B 15 USC 1692g 15 USC 1666b 15 USC 1681a
Consumer complaint received 2018-02-03
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. (OH)

I sent in paperwork to remove these negative items from my credit report on XX/XX/17 and still several months later haven't received any response about these fraudulent items being removed from my credit report.
Consumer complaint received 2023-11-18
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. (IL)

These disputed accounts were open fraudulently : XXXX XXXX XXXX XXXX {$4000.00}, SELF XXXX XXXX {$120.00}, XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX Direct TV {$510.00} XXXX XXXX XXXX Bank XXXX not XXXX XXXX but this account is reporting twice. I have filed an ID Theft report with the FTC, disputed these accounts with the credit bureaus and added security freezes with : Equifax, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX, to prevent further fraud. I received no response from my disputes sent to Equifax, XXXX XXXX and XXXX XX/XX/2023. I sent a follow up dispute to the credit bureaus again XX/XX/2023, this time I received only an online " dispute results '' from XXXX and said these accounts were " Verified as accurate, '' with no consumer contract or evidence that under the FCRA that this account was open by me.
Consumer complaint received 2024-03-28
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023 an unauthorized transaction of {$5300.00} appeared on my checking account. The transaction was named as 'XXXX XXXX XXXX XXXX '. I inquired the bank ( Bank of America ) about the fraudulent transaction claiming I didn't authorize such transaction and I have no accounts associated with XXXX XXXX. 

The following next day, another transaction of {$25.00} appeared on my checking account this time via XXXX under the name 'Child gift ' or E-gift. I contacted the bank about this transaction too. At this time, I realized that someone indeed has access to my login credentials or my debit card information. I deactivated my card and told them to send me the new one. 

Few days later I received a temporary credit for {$25.00} ( for 2nd claim of {$25.00} ). Following next day, I received an email for my first claim of {$5300.00} stating that they were not able to refund the amount. They listed four reasons that helped them for such decision one of which says that the payment was done through previously used device. I am confident that I am aware of all my devices and I would think twice before making such a huge transaction provided that my bank balance has never exceeded the total of {$6000.00}.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

I contacted Equifax and XXXX by certified mail indicating that an old derogatory account with XXXX XXXX XXXX XXXX was not only inaccurate but also outdated. The accounts should have been removed as it exceeds the statue of limitations, and both are reporting inaccurately. 

On XXXX the account is listed as a chargeoff last active XXXX is a XXXX XXXX XXXX XXXX account XXXX 

On Equifax the account is reporting as derogatory with last date of activity as XX/XX/2017. This is a XXXX XXXX XXXX XXXX account.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (IL)

I opened an account with BMO. Paid all my bills early. They added payments only to certain months and then reported it 60 days late and when I sent a form and they admitted it was paid early, then reported it 30 days late. 

Please help us get this corrected.
Consumer complaint received 2023-11-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

Yesterday, XX/XX/2023, COLUMBIA DEBT RECOVERY LLC DBA GENESIS attempted to collect a debt on me that they likely know is not valid. Despite me clearly explaining why the debt is not valid, their representative threaten to send this bad to credit reporting agencies to hurt my credit score. 

I have previously submitted a CFPB complaint against the original creditor regarding this matter, Complaint Number XXXX.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I have a car through US Auto Sales and I purchased and XXXX XXXX XXXX extended warranty and also GAP insurance on this vehicle and they went out of business in which they sold our contracts to a debt collector which is Westlake portfolio management LLC . I still have XXXX miles left on my warranty and my car has broken down needs a timing chain which involves the motor. And Im told theres nothing to be done because my contact didnt go over with my warranty or anything but they want me to pay for it anyway.
Consumer complaint received 2023-09-22
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$28000.00XXXX XXXX XXXX XXXXXXXX Balance : {$28000.00}
Consumer complaint received 2024-03-28
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. (MA)

There is currently a {$2300.00} charge on a XXXX XXXX credit card under my name that is attached to my experian report. A credit card I personally have never inquired or sought after. I have called experian to put a credit lock and alert on my account for a year, and have called multiple banks ( including XXXX XXXX ) who indicated nothing with my social has been opened. But, this is clearly false because on my credit report, there is a XXXX XXXX charge, where it shows I opened up a line of credit ( someone else did, identity fraud ) that is clearly lowering my credit score and my identity is under threat.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have no choice but to submit complaints against you with the CFPB for failure to remove or correct inaccurate information on my credit report. I would even go as far as to say that its negligence being that I notified you several times informing you that I sent a letter to the creditor, and they updated the account. The only credit bureau that is accurately reporting the account is XXXX. I will attach the letter sent to the creditor, which is dated, and time stamped. The updated XXXX credit report is updated as well. I need these items corrected per my request below. ATTORNEY GENERAL-CHI XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (IL)

NCB Management Services , Inc, account number XXXX, This account is being illegally reported to my credit report according to the FCRA, this is a third party company that I do not have any contract or business with. My information was sold to this company violating my consumer rights law 15 United States Code 1681 ( B-2 ), & 15 United States Code 6802 ( B-1 ). This company is knowingly committing consumer reporting fraud. This company passed the statute to respond back to me and havent updated any reports to my credit profile.
Consumer complaint received 2023-06-20
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

My personal checking account with Ally Bank has been active with no issues for the past 1-2 years. The account is typically used for online purchases and bill pay. I recently started a business and was seeking funding from a XXXXXXXX XXXX since I was nearly out of money to keep working on the business. After making a deal with the XXXX we signed the contract and they deposited $ XXXX XXXX to my Ally Bank checking account. Ally Bank then froze my account and their customer service could not answer questions because the fraud department only worked during banking hours. I called and spoke with the fraud department many times requesting information on why my account was frozen. I eventually was told that " maybe '' it was because they wondered what the company name listed on the wire transfer was ( it was the name of the company I'm starting ). I asked them for an email address to send documentation and then sent all company documentation and agreement with the XXXX, to XXXX. I never heard back and the fraud department still says someone will contact me. I have a business checking account that I need to transfer these funds into ( and I have bills that need to be paid with my existing balance in the account ). In the meantime, the XXXX is upset with me because the cloud services are getting shut down or throttled due to non-payment and I am unable to keep working. Ally still refuses to provide any information or guidance on how much longer they must keep my funds.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

This debt is not old by me. This is not my collection. I have never had a XXXX XXXX  cell phone account. I called XXXX XXXX told me once I gave them my Social Security number that they do not have a Social Security number on file at all for me that past due or current For a cell phone service I have not had ever XXXX XXXX XXXX. I do not have any contract for XXXX XXXX with my signature on it nor do I have a contract with XXXX XXXX XXXX XXXX and I have never had a contract with XXXX XXXX XXXX please remove this. It is not my collection
Consumer complaint received 2023-06-20
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-04-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I paided my mortgage for XX/XX/XXXX and XXXX which total {$3200.00}, for 2 months. they want post the payments to my account. saying that the payment was suspense. I don't know what reason. I have documents to prove my case.
Consumer complaint received 2024-03-28
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. (CT)

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.