davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I contacted all XXXX credit reporting agencies Experian, XXXX, XXXX, and XXXX ( the creditor ) multiple times int he last year, most recently the last 3 days - each day about account number ending in XXXX. 

I have filed XXXX disputes with each credit reporting agency as to the accuracy of the information. The response each time from XXXX has been that they are reporting it accurately and the credit agencies do not correct the information. 

I have spoken with XXXX 's customer service department and charge-off department. XXXX 's charge-off department has confirmed that the debt was charged off on XX/XX/XXXX. They have claimed several things, but the last of which was today, XX/XX/XXXX. They state that they are reporting to all three credit reporting agencies that it was charged of on XX/XX/XXXX, so they, the credit agencies themselves are reporting this wrong on my report. 

I have spoken with all XXXX credit agencies several times each and they told me that XXXX must be reporting it wrong and that is why it is not showing accurately as a charge off. 

The account status remains " In repossession '' rather than " Charged off '' today, almost 2 years after it was charged off. 

This error is preventing me from being approved for the housing my family needs and I am powerless to do anything because no one involved will take responsibility.
Consumer complaint received 2024-10-09
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. (AL)

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - XXXX - {$14000.00} XXXX XXXX XXXX - XXXX - XXXX - {$500.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc (TX)

I spoke with XXXX with Credit Fresh who advised me my monthly automatic payments of {$110.00} each month the last 2 years only {$20.00} has gone to the principal balance which is {$480.00} and {$2200.00} has gone to their monthly fees which was not told to me at the time of taking out this loan.
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

Post pandemic in the year 2021 there have been debt collections appearing in my credit reports from a company called Transworld Systems for the amounts of XXXX, XXXX, and XXXX. I was initially contacted by a utility company in California. I have never been not lived in California, let alone have any utilities under my name outside of New York. The company has contacted me and informed me my debt will be sold and if this was not me I would have to report it to the credit bureaus.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear CFPB, IRS, XXXX, XXXX, TRANS UNION, XXXX XXXX XXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my consumer report. XXXX XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Issas a victim of fraud in XXXX of my checking acct here at USAA on XXXX XXXX2024in seeing this pending in my acct I called USAA to alert them to stop this fraudulent withdrawal of funds from said acct..I was told couldnt stop but able to retrieve my funds the next day XXXXthat nite I spoke to eitherfraud team member or bank person and I expressed concern for remainder of money in this acct and they advised me could open another or new acct and put funds from that checking acct into new acct which I did..I have records of each transaction to show those transfers.. 
From this point on XXXX things went sideways >>anyway I was not feeling confident about continuing w USAA and made some additional interacct transferand it for a few days was confusing.. 
Then on XX/XX/year> Friday deposits and transfers took placein looking back at this I think USAA over credited me and I didnt see it until I went back today and found where they over credited me. 
In any case I didnt see that and on XXXX I called USAA again and talked to banking..they were able to transfer the money back into my acct USAA has been doing this analysis or investigation into my acct and it has been over XXXX wks and I cant get an explanation of why they are doing it and when to expect resolution. They have been rude to me and I feel like they are investigating me .. and that USAA is setting me up to build a case and take my money.., this feels legal to me.. 
I want the world to know about how USAA is treating me.. 
What can u do for me? 
XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (GA)

the company credit card i am using as an closing statement date but yet still there are reporting before the date, stating they reporting all cards at once ... .how can I have an closing statement date but yet still my card is not reporting on it ..what is the purpose of a statement date if you are not reporting when your statement date is close if that's the case they don't need to have an closing date they just have a date calling it closing statement date when your balance is not reporting on that date i want an dispute with this disgusting company. I all my others cards report after statement closing date everyone i know around me cards reporting after their closing statement date.i was no inform about this with the company so I want to file an dispute I am working with my closing statement date but yet they are reporting 6 or 7days earlier than expected i need a proper investigation.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion has not responded to my many letters requesting removal on inquiries that are incorrect and unauthorized. These inquiries are not on the other 2 credit bureaus. I have sent multiple certified letters with tracking and return receipt ( attached ). From XXXX until present day I've been sending letters ( attached ). It is unfair to be ignored and the severity of not taking my situation seriously has caused financial injury and defamation of character.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This issue has been on going and the accounts that are reporting on my credit files do nit belong to me and were a cause from identity theft/fraud. per 15 usc 1681b this is illegal. I did not authorize anyone to furnish any of my information, let alone INCORRECT INFORMATION! I need these to be re investigated the right way. None of the companies were able to prove that these debts were mine and for that they must be removed.
Consumer complaint received 2024-03-13
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. (CA)

XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX account is a closed account and on a monthly payment plan that has been current. This account has never had a 30 day late payment. Called the company on XX/XX/2023 asking why is a 30 day late payment reflecting on all 3 credit reporting bureaus, XXXX, XXXX and Experian and request that this be updated and corrected to no late payments and currently on payment arrangement for this closed account. I was told by the company that this matter would be updated and corrected to reflect no late payments.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

Account Name : FAIR COLLECTIONS & OUTSOURCING Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX inquire date XXXX XXXX  XXXX NA inquire date XX/XX/XXXX XXXX XXXX inquire date XX/XX/XXXX XXXX CO inquire date XX/XX/XXXX XXXX OF XXXX inquire date XX/XX/XXXX XXXX XXXX inquire date XX/XX/XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MI)

I have no proof of this debt. I have used for a detailed statement from this company and have yet to received proof. The company has sent me no proof of detailed information about this debt. I would like a detailed statement from the original company that sold the debt to Jefferson Capitol Systems.
Consumer complaint received 2023-05-23
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. (FL)

There were over 50 Credit Inquiries on my credit report. I wrote to the 3 Credit Bureaus twice to dispute the information and they have refused to comply with my demand to show proof. I also sent letters to all of the companies with dates to send proof and I have not heard anything from the companies in regards to removal.
Consumer complaint received 2023-10-07
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. (TX)

XXXX  account is a closed account and on a monthly payment plan that has been current. This account has never had a 30 day late payment. Called the company on XX/XX/2023 asking why is a 30 day late payment reflecting on all XXXX credit reporting bureaus, XXXX, Equifax and XXXX and request that this be updated and corrected to no late payments and currently on payment arrangement for this closed account. I was told by the company that this matter would be updated and corrected to reflect no late payments.
Consumer complaint received 2023-04-11
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (CA)

Continued unlicensed debt collection and harassment. Barclays is bankrupt and I'm in the process of foreclosing on them. The debt is fraudulent because Barclays commited fraud which was exposed by the collapse of XXXX and now Barclays is bankrupt. They are currently in default. I complained to the DFPI about their unlicensed debt collection activity previously. Complaint-XXXX. XXXX of compliance sent me a letter acknowledging that they did not hold the required license and that I would receive no further communication from them. The XXXX said they closed the case as a result of that letter. I just received a letter from a separate debt collector who also did not have a license number. This is extreme harassment. I've had people break into my home twice as a result of the ongoing fraud that Barclays in involved in. 

Cease and desist. Stop contacting me. Pay me NOW! Stop making loans.
Consumer complaint received 2023-10-06
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. (KY)

Experian, XXXX and XXXX have violated my rights as a federally protected consumer and allowed several XXXX 's to pull Hard Inquiries of my credit report without permissible purpose. Experian, XXXX, XXXX, are in violation of 15 US Code 1681b providing multiple XXXX XXXX a copy of my credit report without my written consent.
Consumer complaint received 2017-07-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (KY)

I am attempting to FHA streamline refinance with Nationstar Mortgage NMLS # XXXX. They have changed the terms of the mortgage 4 times and fees etc stringing me along telling me it 's been approved or is pending final approval or must be finally re-approved. It does not seem like they are acting properly. Here is a recent email exchange, I sent a message saying " I have signed your third change of terms for the loan. If you try this a fourth time I will not be happy. ". They replied with a message saying " we had to make an adjustment to the rate, we had to lower the rate from 4.75 to 4.50 %, this is the adjustment that we have to do again today, because the 4.75 % rate does not benefit you. ". Yesterday they told me the 5 % rate does not benefit me so they had to lower it to 4.75 %. All I wanted to do mainly was remove my in-laws as co-signers and close the loan. Will this ever end?
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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 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
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (UT)

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (PA)

In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2023-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC. (FL)

Was in the market for services from XXXX XXXX XXXX XXXXand was willing to pay the full amount but was coerced into taking out a loan with an interest rate of 19.9 % that was not disclosed to me. A credit counselor told me this was predatory lending and should be report. 
Loan Summary XXXX XXXX XXXX XXXXXXXX LOAN AMOUNT {$2800.00} LOAN PACKAGE 48 Month Installment Loan APR 19.99 %
Consumer complaint received 2023-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (CO)

There is an account that shows on my credit report that is the result of fraud. The FTC, Federal Reserve, and all the collection agencies that get sent the request to collect, research and find that the account does not belong to me. XXXX XXXXXXXX XXXX and XXXX  accounts do not belong on my report and representatives from their companies have agreed they find no account belonging to me. Equifax and XXXX need to remove those accounts from my report.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 : XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$6100.00}
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 : XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$6100.00}