davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In XXXX of 2023, I missed one payment to XXXX XXXX. Last month as shown by the dashboard screenshot attached, they closed my account. XXXX XXXX as shown by the screen shot, reported me only to XXXX as having a closed account and reported that to XXXX on XX/XX/XXXX. 

As shown in the screen shots provided, both XXXX and Equifax both show it as open and they have not reported to either of them since XX/XX/XXXX and show the account as opened and paid on time.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-06-21
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. (MO)

Do to the pandemic/ COVID, I deferred 6 payments. But they show up late on my repor

t. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A 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 payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (MO)

This company was paid off by my insurance company and I should not have a open balance with them or the original company. I have asked this company to send me documents with my balance and the original contract and documents on how this account was even sent to a third party collector. I do not have a contract with this company so I dont owe them. The original company has removed the account from my credit report but this third party hasnt yet and continuously reports this inaccurate account. This is hindering me from getting credit because I don't have an account with them and the original company doesnt have a balance and this looks bad on my credit report. This account has been sold to several third party collectors without my consent.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 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 I Asked the Credit Bureaus to do a verification of everything on my credit report and they did they said everything on it is accurate on my credit report they stated it was accurate after they did there own investigation I Did a thorough research my self and I found out improper inaccurates on my credit report even after they did there research on this account thank you company name : XXXX account : XXXX XXXX # : XXXX XXXX XXXX
Consumer complaint received 2023-09-06
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. (MO)

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 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, I contacted USAA because I noticed no change in interest charges month after month after having made several above the minimum payment payments. 

They advised me that my payments were applying to my interest free balances as opposed to my interest bearing balance. 

My interest bearing balance was XXXX in XXXX and XXXX in XXXX, when a made {$1000.00} dollar payment and made no other purchases. This has gone on for months. 
They are only applying my minimum payments the interest bearing balances. 

FURTHER : My interest bearing balance was not reduced by the {$1000.00} payment, even with two months of finance charges it was only reduced XXXX ( with two months finance charges it comes to XXXX ), but this after {$1000.00} payment which means that {$650.00} is missing. 

According to the CCPA The Consumer Credit Protection Act ( CCPA ) protects consumer credit rights, including payment allocation protections. The CCPA requires that creditors apply excess payments to the balance with the highest interest rate when more than the minimum payment is made. 

I want my payments from XXXX forward applied to my interest bearing balance and my interest charges reversed. 

I also want my account fully audited as hundreds of dollar are missing.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 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 report ( 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. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Account Open Date : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

This item was purchased from XXXX XXXX in summer of XXXX and the company that XXXX contracted through was XXXX. Several months after I was unable to keep up with the payments when I had an extended illness, having XXXX twice in 6 months that had a long recovery each time. The company eventually stopped contacting me, they werent reporting this on my credit reports at any agency until a few months ago. Suddenly, after 5 years they are intentionally trying to damage my credit by reporting this on my reports and calling me regarding this old account. This is way outside the collection window.
Consumer complaint received 2023-09-06
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. (PA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-21
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. (FL)

On XX/XX/ I submitted dispute letters to XXXX, Experian, and XXXX for the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three bureaus came back stating that all the accounts were updated and verified. On XX/XX/ I submitted a method of verification letter asking them to provide me with proof that these items were verified and if they were unable to provide that information that I would like the items deleted immediately. All that each bureau sent was an itemized breakdown which is not proof of verification. Reporting these inaccuracies are hindering me from getting employed. Please assist me as soon as possible. Thank you.
Consumer complaint received 2023-06-21
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. (LA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX XXXX 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 2023-10-05
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. (TN)

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.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2021-04-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (FL)

Hello, My fianc leased a brand new XXXX XXXX XXXX through XXXX XXXX located in XXXX Florida. On XX/XX/XXXX we turned in our XXXX XXXX XXXX completely paid off and proceeded to lease a brand new XXXX XXXX XXXX. Our original loan was through GM financial. We received late payment calls and emails from GM financial after XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX we receive 11 recorded calls from GM financial where we explain the situation over and over again. We stayed that we had turned in XXXX XXXX XXXX with a paid off lease and the dealership XXXX provided us paperwork that they would be purchasing the car from GM financial. On XX/XX/XXXX GM financial reported a late payment to the credit bureaus and this caused my credit to drop from over XXXX to the low XXXX. We did everything in our power and what was expected of us to turn in this car and get a brand new car and we specifically said to GM financial we did not want this to affect our credit The car was no longer in our possession and we paid off and completed the lease terms so it was not our responsibility. Every representative i had spoke to from GM financial told me that they would call XXXX and get to the bottom of it. We called XXXX XXXX many times to have this issue resolved and every call became less respective and difficult to work with their employees. Me and my fianc feel like XXXX tried to steal the XXXX XXXX and hoped that no one would notice. We need to have this matter resolved as soon as possible.
Consumer complaint received 2023-09-06
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. (MI)

I sent a certified mail to Experian and attached some additional documents. 

Experian ignored this letter and dements attached and therefore refuses to comply with my request. 

Experian pretends that the letter was not sent BY ME. THAT IS NOT CORRECT. 

Part of the problems and reason why I had sent a letter is BECAUSE THEY HAVE WRONG INFORMATIONS ABOUT LY IDENTITY AND THIS MLUST BE UPDATED. 

Part of the PROBLEM IS THAT THEY SHOW CURRENT INFORMATIONS INCLUDING LEGAL NAME AS FORMER NAME and MY CURRENT ADDRESS IS A FORMER ADDRESS See the letter attached.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I attempted to open an account on offer sent to me by Capital One. After processing the online application the system has stopped by requesting me to provide an ID. Subsequently I was sent a link which did not work and when I requested assistance to the number provider in the message, it was communicated that XXXX ( bot? ) is not available for my account to offer assistance. The message also stated that I will be contacted after XXXX business days in case the ID is still not provided. I was not contacted and when I called today ( XX/XX/XXXX ) to offer to provide the ID ( I requested email address with a reference # to send it to ) the XXXX customer service was unable to offer any assistance. Furthermore when I gave them my SS # I was told that the application was already closed. Also the application ID number provided # XXXX was not helpful as I was told it is completely useless to them as they can not reference it. Subsequently I asked to speak with the US customer service and I was also not helped and given vague pleasantries instead. When I asked for a supervisor I was put on a long hold approx XXXX min ( the whole call was about XXXX ) just to be told the message from a supervisor that I need to go through an account opening process all over again. In other words the Capital One wasted my time. 
Here are some questions : 1 ) Why providing customer a reference number for account ( # XXXX ) which is not internally referenced to anything? 
2 ) Why set up an online application system which has so many bugs before going live that it doesn't do what is designed to do?

3 ) Why the company employees do not have a concept of basic courtesy and respect to customers and talk over them instead of offering practical help? 

Since the CSRs are not properly trained to offer assistance why they simply can not refer to someone who can offer help that can instead of wasting someone's time and resulting aggravation.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2023 -Unauthorized Inquiry XXXX XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (MD)

Erroneous Reporting of Missed Mortgage Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX In XX/XX/XXXX, my mortgage was transferred from : Caliber Home Loans , Inc. of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX When applying for a new loan, it came to my attention that Caliber Home Loans , Inc. , my previous mortgage lender, erroneously entered my payments for calendar year XXXX. To wit : A. On XX/XX/XXXX, Caliber approved a loan modification for my mortgage for {$4200.00} per month, which ended my arrears ( Encl XXXX ). 
B. I made monthly payments by the 1st of the month as specified. The payments were made with XXXX ( XXXX ) or XXXX ( XXXX ) USPS money orders, totaling the entire monthly mortgage obligation. { NOTE : USPS issues postal money orders with a maximum amount of {$1000.00}. } See attached XX/XX/XXXX payment. 
C. However, staff at Caliber chose to assign my monthly mortgage payments, for calendar year XXXX to various sub-categories, as opposed to applying the entire monthly payment as annotated on the monthly mortgage statement. 
D. Subsequently, Caliber staff continued to report to credit agencies as if I was still in arrears on my mortgage payments. 
E. I requested XXXX XXXX Servicing, my new mortgage provider, review my calendar year XXXX monthly mortgage payment history and correct the erroneous information provided to the various credit bureaus. 
F. XXXX denied my request to have my calendar year mortgage payments correctly identified and having the monthly amounts paid-in-full. 

I request assistance in getting my calendar year XXXX mortgage payments correctly identified and having the monthly amounts annotated as paid-in-full.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They have been informed several times by myself, CFPD, FTC and the bureaus that this account is unknown to me, and I have been a victim of identity theft. They continue reporting the account and the payment history not linked to me ( both payments and non payments ). In their " proof '' they said the card was open online, and therefore identity was not verified, and they address the card was sent to was never my address in any capacity. They failed to accurately verify identity and allowed this account, yet refuse to remove it after it was brought to their attention. They claim they " verified '' the information by some public records that do not exist.