davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 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 2023-12-11
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)

I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I have tried to obtain my free annual credit report from the company. After completing all the steps that were required in order to obtain the report. it stated they were unable to provide me with one and that I would need to call each bureau. I have called each credit reporting bureau and requested the credit report. Each bureau stated they would be mailing out the credit report. After waiting over 30 days I have yet to receive the credit report.
Consumer complaint received 2023-06-07
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-21
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 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 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This account from XXXX XXXX XXXXXXXX XXXX is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, EQUIFAX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have inquiries and I don't know most of them. 

Regular Inquiries : XXXX XXXX XXXX  on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is one more account opened on XX/XX/XXXX, but I do not know the company associated with the account as I find out I can not logged into my TransUnion Account. 

I have already closed the XXXX credit card account because this account was not open by me.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (FL)

I've been using Wise ( Formerly TransferWise ) for my business needs. I'm an XXXX seller and currently selling on XXXX. I had both Personal and Business accounts with Wise. I've been receiving payouts from XXXX to my business account. I wanted to transfer from my Business account to my Personal account. They asked for a Screenshot of the problem which I sent them and in reply, they told me that they can't identify the problem and deactivated my account and told me to submit the appeal. On response of appeal I made, they replied that they can't tell us the reason for account deactivated but it violated one of our policy that I agreed to during sign up which I don't think so..
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX Home improvement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$140000.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
DEPTEDXXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for home improvement loan due to the inaccurate information on my credit report.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (MO)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Summit A*R, Inc. (MO)

In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MO)

XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX 
-The vehicle was described as " good running vehicle, no mechanical issues except a TPMS '' -When I received the vehicle it was in complete opposite condition. The vehicle had blown headgaskets, blown motor, missing driveshaft, and many other things totaling over XXXX dollars worth of repairs. 
-I immediately contacted XXXX XXXX. They refused to refund me and take back the vehicle. 
XXXX XXXX XXXX I contacted discover to dispute the XXXX charge that I put on my credit card to XXXX XXXX. ( the total was XXXX however XXXX only allows XXXX XXXX to the credit card ). The rest was done via wire transfer. 
-Discover first ruled in my favor, then against, then in my favor, then against. They refused to re open the dispute although I have provided more than sufficient documentation showing that I was sold something other than what was described. 
-Discover told me since I signed an " as-Is '' statement that the charge is valid. However the as-is statement was signed on false pretenses of XXXX false advertisement. 
-If I had known that vehicle was in complete inoperable condition I would have never signed that document. XXXX commited fraud. 

-I have attached documents that discover has already. They range from the following : -Email conversation between the seller and I where they assure me the vehicle is in good mechanical condition with no issues other than the TPMS XXXX 
-Pictures of the vehicle the day it arrived. 
-Pictures of the vehicle showing oil leaking while still at the sellers location ( provided by the shipping agency ). 
-Pictures of some XXXX correspondence between XXXX and myself where XXXX is knowingly admitting to their negligence in reporting issues with the truck in regards to it missing a driveshaft. 
-Pictures showing an advertisement for another vehicle listed as NON OPERABLE, however the vehicle I purchased was listed with the only issue being a TPMS.
Consumer complaint received 2023-08-26
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. (NJ)

This is another complaint I am submitting directed to XXXX and Equifax Credit Bureaus, as I can see the XXXX have made some changes in my XXXX credit report. But the Equifax that had only one fraudulent inquiry left they haven't removed it yet up until now. So please I am kindly requesting the CFPB to please help me in immediate solving of this issue by administering the deletion of these remaining fraudulent inquiries. Here are the remaining inquiries that NEEDED to be REMOVED : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX
Consumer complaint received 2023-11-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (NY)

I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Effective XX/XX/, XXXX XXXX transferred my mortgage to XXXX Mortgage. I paid my XXXX mortgage payment on XX/XX/XXXX. My TransUnion credit report shows that I have a new account with XXXX and that I have a missed payment with XXXX and that my mortgage balance is now {$1900.00} higher and that I have two mortgages. This lower my score in the double digits. XXXX also shows that I have a 40 year mortgage when I only have a 30 year mortgage. This was reported to TransUnion on XX/XX/XXXX. I need XXXX XXXX to report my account closed, and I need XXXX to correct my mortgage term, my account balance and my mortgage term, and that I don't have a missed payment. I also need my payment reduced. I had an escrow shortage with XXXX XXXX that was spread out over 24 months with a mortgage payment of {$1600.00} that has jumped to {$2100.00}. I am on a fixed income that is net $ XXXX/month. I believe that that, because I have so much equity in my home, they want me to foreclose. A friend of mine won a XXXX XXXX lawsuit against XXXX, which is the parent company of XXXX, due to fraudulent practices and XXXX XXXX has the same practices. XXXX XXXX added {$5000.00} to my balance with no explanation and I can't get to the bottom of this with either lender. Please help me.
Consumer complaint received 2023-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (KS)

The company Midland Credit Management refuses to provide the following information : 1. The proof that the contract does not pass the statute of limitations contract law California ( California is 4 years ) 2. The full contract with my signature that I am doing any business with Midland Credit Management. 
3. Provide me with ALL ORIGINAL DOCUMENTS, that show the proof of the balance, interest rate, DISCLOSURE FORMS, and my original signature on the contract. ( DO NOT SEND ME A VERIFY STATEMENT ). Anyone can make up a verified statement. 
4. Did a lawyer review this collection account, you claim I owed? If yes, provide the document the lawyer signed. 
5. The original documents Midland Credit Management has the right to obtain my information This is clear and precise for ALL the documents I am requesting. There has been a misunderstanding or comprehension problem on your side about my request. I hope this clarifies what I need from Midland Credit Management.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRST HORIZON BANK (LA)

Im 2003 my grandfather XXXX XXXX address XXXX XXXX XXXX XXXX, LA XXXX financier a 2003 XXXX XXXX VIN XXXX. He financed it with Iberia Bank which has changed names to XXXX XXXX then again to First Horizons which is the name its under currently. I went into the bank the first of XXXX and again in XXXX asking for a Loan Satisfaction letter. I was told they word send it to the DMV to check with the DMV in three weeks. I have checked several times and the Lien has not been removed. My grandfather passed away 12 years ago the truck has been on my property since that time. The bank either needs to clear this leon or they can pay me storage for the 12 years it has sat here. This is ridiculous they know the loan was paid if not they would have repossessed it. The bank didnt have to wait for their money they should have cleared it once they were paid. 
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (MI)

Nelnet you are in violation of the Fair Credit Reporting Act : This fraudulent student loan was serviced by XXXX  and placed in default by XXXX. The real U.S.Department of Education General XXXX said on a call they are required to review all XXXX XXXX XXXX federal student loan. The results U.S. Department of Education General Counselor are placed in the XXXX XXXX XXXX XXXX XXXX as Defaulted, Unresolved., XX/XX/XXXX and the federal loan was terminated on XX/XX/XXXX for the same reason. Nelnet if XXXX have any problems with your fraudulent federal consolidation loan call the real U.S. Department of Education General Couselor that was assigned to review all of XXXX XXXX XXXX federal student loans for liability purposes. The U.S. Depatment of Education rejected the federal consolidation XX/XX/XXXX. The fraudent loan had Issues like their is not a copy of a orginal promissory note attach with the XXXX XXXX for verification, their is no address of mine the XXXX XXXX does not exists. A school code was used for consolidation from the XXXX XXXX XXXXXXXX XXXX. The XXXX XXXX XXXX XXXX is not a Bank and does not have my history from my lender XXXX XXXX XXXX  and neither did XXXX XXXX who did not keep in track with my payments. All my federal students were made by XXXX XXXX XXXX  in which I paid in full before XXXX XXXX fraudulently consolidate the note without a federal lender education code. Nelnet stole my identiy and placed over {$80000.00} due on my credit reports to steal money from the U.S. Department of Education to collect serviceing fees and bonus. Nelnet you sent me a billing statement requesting {$800.00} due XXXX XXXX XXXX in which I am not going to pay a XXXX. Nelnet you have damaged my credit reports and score for greed. Nelnet send me a receipt that lender with an education code paid my lender XXXX XXXX for a federal consoldation. Nelnet you have prevented me to obtain a mortgage. Nelnet send me the lender name who received the money for the consolidation. Enclose the enevolpe of the servicer of the loan XXXX  in XXXX an the real XXXX Department of Education
Consumer complaint received 2023-10-21
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)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
XXXX XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX  ( Hotel and travel ) XX/XX/2023 XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX 2023 XXXX XXXX, 2023 Experian XXXX XXXX XXXX  ( Bank XXXX XX/XX/2023 XXXX XXXX XXXX  ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Hotel and travel ) XX/XX/2023 XXXX XXXXXXXX, 2023 XXXX XXXXXXXX XXXX XXXX XXXX, 2023