davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (MA)

In accordance with the Fair credit Reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy.

15U.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.

15U.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 belielve that the information is inaccurate
Consumer complaint received 2023-03-03
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 an account without my written instructions.
Consumer complaint received 2023-03-03
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. (IL)

CFPB responded to me that XXXX XXXX account ( Deleted ) that still listed on my credit report with inaccurate reporting My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - Open account inaccurate data - XXXX XXXX  # XXXX Show account balance on a closed write off account inaccurate
Consumer complaint received 2021-01-12
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. (CA)

Back in XX/XX/XXXX, there was a government shutdown which affected my business tremendously. I am a XXXX XXXX XXXX and I do a lot of XXXX and XXXX XXXX XXXX XXXX. Because of the shutdown, HUD and all of the government agencies were all closed which caused all of my loans not to fund. I work on 100 % commissions, so this halted ALL of my income that I make. I spoke to someone at XXXX and they told me that since my business was affected by the government shutdown, they would extend my payment for 60 days and that I would not be reported late on my credit report, I was assured of this. 

Once the government opened up towards the end of XXXX, my loans were able to move forward toward closing and once they did, I paid the TOTAL balance off. 

Well, a few months later after checking my credit, I saw that I had a 30 day late on my credit, and they did not follow through with they told me. They actually said I was 60 days late which was not true, and ALL of the bureaus were reporting a 30 day late except XXXX was reporting a 60 day. I looked even on my XXXX online account and XXXX was showing online a 30 day late on my report NOT a 60 as XXXX was the only one showing. 

I spoke to a few people even a supervisor complaining about this and they said they can not legally take it off because it was not XXXX fault which I completely disagree with. 

I have never, never been late on XXXX except for when the government shut down, and I have paid them at least XXXX to XXXX a year in payments since I had the card, so this is very unacceptable. 

I am currently trying to buy a house for my wife and my XXXX to have a nice place to stay, and my current lender will not do the loan with the late on my credit. 

I am a veteran and trying to do a VA loan, so I really need XXXX to follow through with what they said they would do. I need the late payment from XX/XX/XXXX to be taken off of my account due to a representative telling me incorrect information. 


Since I have always paid my XXXX on time and I spend much more than the average person with my XXXX XXXX, I think that they should take off the late payment, and I can set up autopay so that I never have this issue again. Having great credit is very very important to me, and I have worked very hard to get my credit in the 700s Whenever you call XXXX you are always connected so someone in XXXX, so maybe there was a language barrier and the representative gave me the incorrect information, but I am 100 % they told me they would put my payment off for 30 days. XXXX reports every 60 days, so I would have never had a late payment. 

Please help me get this off of my credit so that I can be able to finally get my wife and newborn the new home that I have always dreamed of. This will be my first home I have ever owned. 

Thanks so much XXXX XXXX
Consumer complaint received 2021-01-12
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. (TN)

My complaint is with Experian. I incorporate by reference and support the attached Mortgage credit report. According to Experian, the key score factors that adversely affect my Experian credit score : SERIOUS DELINQUENCY. Note : According to Experian reporting, I have 11 open accounts, all of which have never been late. Note : According to Experian I have 12 closed accounts, 1 XXXX XXXX account paid off two years early when XXXX misreported a late payment in XXXX which I disputed ; 4 Department of Education Account closed, having never been late ; 1 XXXX XXXX XXXX XXXX loan closed, having never been late ; 1 XXXX XXXX XXXX account closed, having never been late ; 1 XXXX XXXX XXXX XXXX Account disputed and closed, having never been late and XXXX XXXX and scheduled to drop from reporting in XX/XX/XXXX ; 4 XXXX accounts closed and disputed wherein XXXX abandoned their claim and then issued a separate 1099 for each and scheduled to drop from reporting in XX/XX/XXXX. High Credit Use. Note : According to Experian reporting, they report two mutually exclusive factors. First, they report my ratio of revolving balance to credit limits is 96 %. Second, they report my Credit Utilization is 2 %. Third, they report my available credit is 98 %. Fourth, they report my credit card and retail debt is {$600.00}. Fifth, Experian is not publishing all of my credit cards, of which all but two have a {$0.00} balance. or line the 5 my ratio to limit is 2 % with credit availability of 98 %. Bad payment history. Note : According to Experian reporting there are seven accounts with previously missed payments. Few Accounts Paid on Time. Note : According to Experian reporting, I have 11 open accounts that have never been late, yet they report there are only 2 being paid as agreed. Again, this reporting is mutually exclusive and Experian is making damaging content up. In fact, I have 21 open accounts paid as agreed, but 10, Experian is not publishing, on information and belief, because doing so would mandate that my credit report be corrected and FICO Score increased.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I have submitted 6 disputes to XXXX  about Nissan Motor Acceptance account. 
XXXX is the only credit bureau that is inaccurately reporting the information pertaining to this account and it is now showing deliquent on my credit report. My XXXX credit report is significantly ( more than 30 points ) lower than my XXXX and XXXX credit reports because of this inaccuracy. 

Dispute 1. XX/XX/XXXX Dispute 2 XXXX XXXX, XXXX ( closed in 2 hours ) Dispute 3. A second on XX/XX/XXXX Dispute 4. XX/XX/XXXX Dispute 5. XX/XX/XXXX Dispute 6. I also next-day mailed in a dispute with verifying documents to confirm the invalidity that the account was resolved with receipt from the collection agency. This was mailed on XX/XX/XXXX. 

The issue : This debt is being double-reported. I have confirmed with Nissan that the debt was sold to collections on XX/XX/XXXX. However, Nissan never reported to the credit bureau that the debt was sold, nor did the collection agency report receiving the collection. 

The following year, I called Nissan to pay the debt on XX/XX/XXXX and the debt was no longer in their possesion, I was provided with the collection agency 's information and resolved the account with the collection agency. 

I noticed in XX/XX/XXXX that this debt is still showing on my credit report as outstanding from Nissan and I disputed it with XXXX. Since then, my credit has plummetted because the Nissan account was updated to reflect the dates of outstanding payments from XX/XX/XXXX to present, ( even XX/XX/XXXX has reflected no payment ). 

This account needs to be removed from all credit reports in entirety. Nissan is falsley reporting information on my behalf and the credit bureau is not doing diligence to investigate this inaccuracy despite receipts and factual documentation being provided.
Consumer complaint received 2024-03-20
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. (NJ)

I submitted this complaint to REMOVE this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC (MI)

Constant harassment through phone calls and letters after I asked them to stop contacting me now an attorney debt collector is threatening me. Defamation of character. 

Cavalry Portfolio Services  XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-01-12
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: CBC Companies, Inc. (NY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit report. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

after looking into my credit file I realized that there were addresses attached to my account that were not my physical address I am unaware of these accounts also and have reported this problem to all parties asking that they remove these inaccurate detail on my file
Consumer complaint received 2023-03-03
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. (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 XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX : Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681,1 Section 604 A section 2 also states a consumer reporting agency can only furnish an account with 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 or 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 data is inaccurate.
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I RECEIVED A LETTER IN THE MAIL ABOUT A COURT APPEARANCE ON XX/XX/2020 THAT I DIDN'T HAVE ANY KNOWLEDGE OF STATING IT WAS CONTINUED OVER TO XX/XX/2020. I DO NOT HAVE AN ACCOUNT WITH THIS COMPANY AND DO NOT KNOW WHERE THIS IS COMING FROM AT THIS TIME.
Consumer complaint received 2024-01-17
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)

Hello, my name is XXXX XXXX I am writing to delete the following information in my file. These items I need deleted are listed in the report attached, I am a victim of identity theft and did not make these charges. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trades Commission 's, and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. please delete these items as soon as possible.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX XXXX  I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The company did not give me a proper responce regarding a previous complaint. I first contacted Transunion in XX/XX/XXXX and I have not heard anything back which is the reason I filed a CFPB complaint in the first place. In the complaint I stated I havent received a response in 60 days. Transunions respons today was that I contacted them XX/XX/XXXX an they responded by by XX/XX/XXXX which is in timely fashion But I made my complaint based on them not responding to me to more than 60 dayregarding when first I contacted them in XX/XX/XXXX. They left out an are purposely are not mentioning what I was complaining about when I contacted them in XX/XX/XXXX which was me making a complaint about them not contacting me from when I first contacted them in XX/XX/XXXX. Transunion is trying to confuse the CFPB to make it seem like they responded to me which they did not respond to my XXXX complaint. They only responded to my XXXX complaint stating that they responded on XX/XX/XXXX. But they did not mention anything about my XXXX complaint which is the reason I filed a CFPB complaint in the first place.
Consumer complaint received 2021-01-12
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: OneMain Finance Corporation (MI)

I received a hard inquiry on my credit report from a company called One Main Financial on XXXX XXXX, 2021. I have never requested credit from this company. I tried calling this company multiple times. They always transferred my call to either a voicemailbox ( which never returned my message ) or transferred to a number that hung up on me.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

1. On XX/XX/XXXX, I mail a letter Notarized & CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX to XXXX include a bill with proof of my new residency requesting XXXX to updated my Personal information on the records, and no one has replied me back that my case has been received or under dispute and again XXXX stated : We have contacted the company reporting the information you disputed. 

Wish Company XXXX have contacted? I am requesting to remove the old Personal Address and Telephone and variation on my report. 

2. On XX/XX/XXXX, again, I sent a second dispute online and received Report Number from XXXX. Less than 7 hours on XX/XX/XXXX, I received an email stating that my dispute was complete and closed. None of my Old Personal information, like Addresses variations, Phone variations, has been deleted. 

XXXX created a trap system almost impossible for customers to dispute wrong information on their files. These multiples addresses appear on my XXXX  credit reports is causing my personal documents or information to be sent to your old address listed on the XXXX report. 

It is my right, and I do not want my old address or phone, employer listed on my credit file. I am here requesting XXXX to delete this variation information immediately.
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (FL)

Since XXXX and it is now XXXX they have been using this fraudulent account for tax write off purposes they have also used the date of furniture to forcefully & falsely verify my stolen data as accurate! I have a XXXX in my left XXXX and it is causing me significant pain in home and I can not afford to remove it with my credit continuously going up I need to be able to get money to pay for XXXX theyre making that incredibly difficult Ive asked this to be removed its tied to my social ending in XXXX end it is not mine I dont care about any investigations I want them to remove it immediately before I die
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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 2022-10-20
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. (IL)

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 XXXXXXXX, Account Number # XXXX, Account Name : XXXX, XXXX, Account Number # XXXX, Account Name : XXXX  XXXX XXXX XXXX, Account Number # XXXX, Account Name : N/A, Account Number # XXXX, Account Name : N/A, Account Number # XXXX, Account Name : N/A, Account Number # XXXX and Account Name : N/A and Account Number # 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. 

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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLIANT CREDIT UNION (FL)

XXXXXXXX XXXX  says that my proof of income was photoshopped and for that reason I could not be given a checking account. 

I did not submit any fake information, and also XXXX did not provide any information on how they came to a decision that my documentation was photoshopped. 

I have provided information to prove who I am and they still shut down my account. This organization is a discriminatory lender and discriminates against people based off their race, age, culture, and religion.