davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
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. (DE)

XXXX has not updated my credit report as they are still in violation. And they are making it difficult for me. According to this law, they are breaking every rule in the book 15 USC 1681 a ( 2 ) ( A ) ( ii ). They have no right to put me through this turmoil. So I as that you CFPB, make them follow the law as, they are breaking them right in front of you. It is illegal and the practices that they are doing to my consumer report is a violation of the law once again is 15 USC 1681 a ( 2 ) ( A ) ( ii ). Except as provided in paragraph ( 3 ), the term " consumer report does not include- ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or CONSUMER REPORT-MEANS ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. PERSON MEANS : the term person mean any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Therefore I am a person and a individual! And they have violated the law. THEY ARE NOT CREDIT WORITHNESS BECAUSE THEY ARE BREAKING THE LAW.

consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

person : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

I am a person/individual and they are still breaking the law!
Consumer complaint received 2024-04-03
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. (NJ)

I write to address the unresolved issue regarding my filed complaint regarding the unverified negative accounts on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I AM WRITING THIS IN ORDER TO HAVE MY PERSONAL INFORMATION UPDATED TO FULL ACCURACY, THE CURRENT EXPERIAN CREDIT REPORT IS NOT AT MAXIMUM ACCURACY DUE TO AN ADDRESS ON THE REPORT WHICH IS NOT ASSOCIATED WITH THE CONSUMER. 
I HAVE CONTACTED THE EXPERIAN DISPUTE AND FRAUD DEPARTMENT MULTIPLE TIMES THEY HAVE BEEN INCOMPLIANT TOWARDS THE CONSUMER AND HAVE VIOLATED MY CONSUMER RIGHTS ON MULTIPLE PHONE CALLS
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (FL)

I am filing this complaint with Consumer Financial Protection Bureau to report my recent experience of Financial Abuse with " GM FINANCIAL ''. First and forest, I am a victim of financial abuse, which has reflected on my credit report within the last couple of months. I am filling this complaint to report GM Financial for fraudulently processing my credit report over 8 attempts within the last three months. GM Financial has processed my credit report eight times on the same day and on different occasions, which resulted in this issue. This company has abused my credit report and continues to process my information without my authorization and consent. As a victim of financial abuse, I had no choice to place a freeze/ fraud alert on my credit report with all credit bureaus. My accounts with XXXX and XXXX Credit Bureaus are currently being investigated due to this unauthorized activity in such a short amount of time. I have reported this matter to GM Financial several times over the phone to the finance supervisor XXXX XXXX and XXXX XXXX. I have not received any documentation or information on this matter from GM Financial. I have spent weeks and days attempting to resolve this matter and there seems to be no response from this company. I am seeking a resolution to recovery my credit report. I have listed below the dates that this company has abused and processed my information without my consent. 

GM FINANCIAL : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Consumer complaint received 2023-08-23
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. (NJ)

My name is XXXX 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 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Despite several request, to send a written statment, reflecting the reasons for closing my accounts, Bank of America has failed to send such of letter.
All the informations that I have so far, are from the bank employees.
***I WANT TO HAVE A WRITTEN STATEMENT FROM   XXXX   XXXX  , STATING WHY   XXXX   HAS SUDDENLY CLOSE MY TO ACOUNTS.
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****THIS WAS NO ACCIDENT.
Consumer complaint received 2018-05-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (SC)

I have hard inquiry that need to be removed. I have XXXX XXXX XXXX   and XXXX XXXX that I dont pay. Because I dont have a loan with them. And also I have turned this car in. That is mess up my credit. Which they would not fixs it. It was a lemon. I have problems by trying to get loanss. I hard inquiries on my credit that also pull my credit to XXXX and. And my credit things is still on them way in XX/XX/XXXX XX/XX/XXXX. Please help me
Consumer complaint received 2023-08-23
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. (AL)

I am submitting this complaint to address the fraudulent accounts that the Credit Bureaus have inaccurately reported on my credit file. In my efforts to rectify this situation, I have researched the necessary steps to remove these false accounts from my credit report. It came to my attention that I must contact the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov to file a report. Additionally, as per the FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate and block any accounts that are listed in an identity theft report I have attached the relevant documents to facilitate the process of rectifying this erroneous information that has been posted on my credit report. Enclosed, you will find the list of accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to promptly block any information in the consumer 's file that the consumer identifies as stemming from fraudulent activity, within four business days of receipt of such information.
Consumer complaint received 2023-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (MN)

Loan Care once again is deciding not to apply payments in order to get late fees. They have done this many times to us. We use an automated system to pay them so the money gets there at the same time every month. They will also log that they receive payment then refuse to/inconsistently apply the balance in order to charge more late fees. I once seen the un-applied balance go upto {$3000.00} which was 3 months worth of payments at the time. They have stated that they had fixed this the year before that {$3000.00} un-applied balance when i submitted my last cfpb report. 

Why do we not use loan care 's automated payment system? 
They have arbitrarily without notice refused us access to the system that would make the payment causing us to not only have a late payment but also dinging our credit scores. Using their payment system used to be our regular method of payment before this happened. Since then we use our banks automated system to send a check at the same time every month. 
And to be clear they told us the lockout had nothing to do with us or any outside actor attempting to gain entry to the account. It was however in response to a XXXX WITH a signed affidavit stating payments would continue to be made to loan care.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX credit file. 
XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-08-23
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. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, XXXX and Transunion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and Transunion have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX credit file. 
XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX
Consumer complaint received 2022-10-21
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)

It shows a 30 day late payment on my credit report for my XXXX credit card on XX/XX/2021. Autopay was set for this account and I was never notified about this late payment. This is materially inaccurate and is causing financial hardship.
Consumer complaint received 2023-08-23
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX 's customer service representative.
Consumer complaint received 2023-08-23
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. (NY)

My credit report is showing late payments to XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX 's customer service representative.
Consumer complaint received 2023-08-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2023 a CFPB complaint was placed against Experian Credit Reporting Agency. It is now XX/XX/2023, 41 days later, and the company has not responded but has not removed the disputed information. No additional information was sent by me the consumer to warrant and 15 day extension.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute inaccuracies on my credit report and request the immediate removal/blockage of erroneous information. The following accounts are inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the reported bankruptcyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is erroneous as no judgment was made, and no trial occurred.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (SC)

I saw that on XX/XX/2023 a company called Southwest credit system added a collection to my credit. For XXXX which XXXX was on my credit years ago! Then XXXX removed it from my credit years ago. Then on XX/XX/2023 Southwest credit system put me in collections again for XXXX for the same bill. I have not received any phone calls or anything in the mail about this. Just boom its there again. XXXX has been removed from my credit years ago. Thanks for any help about this matter
Consumer complaint received 2023-08-23
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-07-24
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. (TX)

Under the fair creditors act. Any accounts ( inquiries ) posted to my credit report without my consent. Should be removed! 

These are the unauthorized inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being XXXX  and that I'm being XXXX of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2018-10-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (MS)

Me and my brother owed a apartment complex we stayed at. Right now it's hindering us from getting a place to stay. My mom called and payed off his remaining balance and asked can she get a letter saying that it's been payed off. The lady tells her " Oh we can't send you that until the other account is payed off because they are linked '' How are they linked? They accounts have 2 different account numbers. And his account is paid in full yet they haven't removed it from his credit. It's been over a month. I chatted online with a rep and was told I owe XXXX. Then she begins to tell me my balance is due in her office no later than XX/XX/18 or collection efforts will still continue. Then she changed the date to XX/XX/2018. I told her so she expects me to pay XXXX in 3 days. Then she says if it is in her office by XX/XX/2018. Then my mom called the other after a payment was taken out for my account. They proceed to tell her the payment was posted to my brothers account. She asked how in the world was it posted to my brothers account when his is paid off? The told her it would be fixed and his account will be marked as paid off. Then they told her my account balance was XXXX. But in the chat I was told XXXX ( which I have the chat saved for that purpose ) .The original creditor XXXX XXXX XXXX XXXX was just bought so shouldn't the debt be cancelled?