davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (MS)

I am formally writing this complaint because today after reviewing my EXPERIAN INFORMATION SOLUTIONS consumer disclosure reports, I noticed the inaccurate accounts I filed an initial complaint about came out of dispute on XX/XX/2024. I have reason to believe that EXPERIAN has disputed these accounts upon receiving the initial complaint from the CFPB. I demanded in my most recent complaint with the CFPB regarding EXPERIAN INFORMATION SOLUTION 'S errors and the previous notice of dispute letters I mailed to EXPERIAN demanding that they remove the accounts for failure to correct inaccurate account information. EXPERIAN INFORMATION SOLUTIONS did not comply. They have violated the FCRA 1681i ( 5 ) ( a ) ( 1 ) ( 2 ) because they did not remove the accounts only to not remove but to verify as accurate the same accounts that were I demanded to be removed. EXPERIAN has verified and updated an account with XXXX XXXX XXXX that is still inaccurate. They have updated an account with XXXX which is now an incomplete account, and EXPERIAN still did not remove the inaccurate account from XXXX XXXX XXXX that is still being reported inaccurately. I want these accounts removed. The accounts in question are all still being reported inaccurately. EXPERIAN is practicing unfair credit reporting.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (FL)

1) At time of sale with XXXX XXXX XXXX XXXX, their financial portal on the salesman’s screen of his phone read A) 9% APR B) 24 months interest free2) greensky sent a faux contract letter in the mail, stating my APR to be 3x (26%) as what it was at time of sale, and 6 months shorter (18 months) of I was also promised payments wouldn’t start until the project is complete, and the project won’t even start for another 2 months.Greensky is a sketchy company with shady APR. this is the second time they’ve done something like this to me. They have a policy of deceiving at the Point of sale.As you can see in the pictures below the salesman even signed into the contract “24 months interest free”I have tried to call several times, only once getting through the barrage of “select this number if you are...” to the right person, and they told me it’s the sellers fault. Which isn’t even plausible.
Consumer complaint received 2018-09-25
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I traded in my car XX/XX/2017, which financed by capital one auto finance. The monthly account payment was late, but not 30 days yet. I received the new car and the dealer agreed to pay the remaining balance on the trade in car, which there was still a year and a half of payments left. The dealer took 14 days to pay off the prior loan, which was XX/XX/2017. I had no idea and was never told I was still responsible to make payments in till the dealer paid the loan off. If I had known ... I could have just made the payment. Received a 30 late on my credit report. I called capital one several times explain but no resolution. This account was paid off a year and a half early with just this one late late payment. I believe it's unreasonable for capital one not to remove this one blemish from my credit report.
Consumer complaint received 2024-02-17
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: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2023 a hard inquiry from lift fund parent was filed on my credit report that I did not recognize nor did authorize the company to pull my credit. XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I did not recognize nor did authorize the company to pull my credit. XX/XX/2023 Navy federal Credit union was filed on my credit report and I did not authorize this.
Consumer complaint received 2022-12-17
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)

XXXX, XXXX and Experian has violated my federally protected consumer right to privacy, confidentiality and agencies not reporting 100 % accurate information under 15 U.S.C 1681. 
Since l submitted Since l submitted complaints to Consumer Financial Protection Bureau ( CFPB ) Complaints XXXX for XXXX ID # XXXX, Experian ID # XXXX and XXXX ID # XXXX the agencys has reach out to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  which is three out The several reporting companies l complaint to CFPB on XXXX concerning reporting inaccurate informations. The companys had changed their information to corrected the information reporting and sent the information back to XXXX, Experian and XXXX. Over the past several years l have disputing a lot of the inaccuracies information with the companys and credit bureau agencys until l filed the complaints with the CFPB thats when the Credit Bureau and Companys is now starting to correct the inaccuracy information been reported by the companys. Im uploading he changed they made because l filed the XX/XX/2022. There are several more companys that l addressed in my complaints on XXXX waiting to hear from the credit bureaus when changes going to occur. The inaccuracy information had impacted my life and Improper use of my report l did not give the Credit Bureaus written permission to furnish my account or my information. I have the right to privacy 15 U.S.C 1681.

Improper use of my report and furnish inaccurate information has violated my right. 15 USC 1681 section 602 A. States l have the right to privacy. 15 USC 1681 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedated the report by more than Seven years. 15 US C 1681 s-2 ( A ) ( 1 ) A person shall furnish any relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Im demanding that the accounts in the complaints ID # XXXX, # XXXX XXXX and # XXXX XXXX be permanently and immediately removed from my report in accordance with 15 USC 1681
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : {$670.00}
Consumer complaint received 2022-12-17
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : {$670.00}
Consumer complaint received 2021-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

RE : XXXX XXXX XXXX 
Property Address XXXX XXXX XXXX, XXXX XXXX, FL XXXX Loan Number XXXX. 
CFPB XXXX XXXX 
. 
Dear Rushmore Loan Management Services.. 

I am writing this complaint in reference to my original complaint # XXXX, filed against Rushmore Loan Management Services ( RLMS ) on XX/XX/XXXX, RLMS replied on XX/XX/XXXX, with a 116-page report. However, they failed to address my questions and concerns written in my original complaint. On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection bureau ( CFPB ) against XXXX concerning the way my loan was managed after it was transferred to their organization on XX/XX/XXXX. 

After reviewing the 116-page report that XXXX provided in their letter XX/XX/XXXX, they provided history on my account dating back to XX/XX/XXXX. However, in their letter they claimed that I provided a written application with financial information for a loan Modification and a Trial Pan that I never requested. Since XXXX insist on saying and writing this bogus claim, I am requesting written proof of the allegation dated XX/XX/XXXX. 
.. 
Also, this complaint includes copies of letters either faxed or mailed to XXXX, and in their letter XX/XX/XXXX, they never addressed their failure for not following the XXXX  guidelines. They simply ignored my letters dated XX/XX/XXXX and XX/XX/XXXX, by talking about my two letters dated XX/XX/XXXX, and XX/XX/XXXX, to stay in compliance with XXXX. Please review a copy of the XXXX letter dated, XX/XX/XXXX..
Consumer complaint received 2021-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (IL)

This is like the 5th time this " debt '' has been added to my credit report. Each time they list it as new debt. 1 time I spoke to someone they said it was for a cell phone bill, but I have used the same cell phone company for 10 yrs so I knew that wasn't true. Then I have to fight it with the credit burrows for 2 or 3 months then it magically goes away. I know of no debts that are unpaid or in collections. Nor can I get any proof of when this debt was originally incurred or for what. I am to my wits end with this company and shouldn't have to fight the credit burrows over it 3 times a year over a debt that apparently isn't legal or mine. Dynamic Recovery Solutions is just playing with my credit like a toy with no proof of legal debt.
Consumer complaint received 2021-11-19
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: EQUIFAX, INC. (TN)

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax Credit Bureaus 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : ( XXXX XXXX XXXX )
Consumer complaint received 2021-11-19
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2024-02-17
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. (PA)

My consumer reports from Experian, XXXX, and XXXX contains information about my income within transactions of mine from the experiences I have with others which is not required to be on a consumer report. How can my private transactions appear so others can view? if these companies say they are reporting 100 % accurate and by law? I have contacted them and bought these inappropriate use of my consumer report to their attention with not avail. 

Exclusions- Reports containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2022-12-17
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. (CA)

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( Experian, XXXX, XXXX ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXXO - payment never late I have not received a response from any other the credit agencies.
Consumer complaint received 2021-11-18
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: ENCORE CAPITAL GROUP INC. (CA)

XXXX and XXXX have this company on their report. XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management, File # XXXX XXXX. For a total of {$8200.00}. 
I have know Idea who they are or what this amount was spent on. I am completely in the dark on this matter. Where was this account originated. I have disputed this with XXXX and XXXX with no avail. Please Help me I have know Glue what this is for? 
XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX, MI.XXXX I have never heard of these companies or that large amount of money!
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Found three pieces info by accident. All incorrect - either closed or not mine. 
XXXXXXXX XXXX, XXXX, XXXX XXXX. 
To ask a question related to incorrect information not known to the account holder in order to lift a freeze is absurd. This keeps happening when ever I lift the freeze. All three accounts were closed for inactivity - obvious problem. To ask a security question about a long closed account - NOT belonging to me is past incompetent. 
XXXX obviously DOES NOT properly vet the info they put on accounts. No security and incorrect information has to be addressed immediately.
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (CT)

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICAN EXPRESS COMPANY (CT)

American Express has continued to harass me, they check stalk my XXXX XXXX account, how do I know cause it says checked by Amex, they wrongfully charged my account a fee XXXXmonths ago or so and now XXXXmonths later they told me it was an error and issued me {$4.00}, I told American Express customer service to stop sending me letters but they have refused, Amex did not help me as a customer to fight fraudulent charges on my account, that have always been messing with my money, I believe Amex is the worst company to bank with.
Consumer complaint received 2021-11-18
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. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2024-02-17
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (OK)

This is my SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES
Consumer complaint received 2021-11-18
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: Experian Information Solutions Inc. (NV)

i previously opened a case that was closed after Experian responded,,, case number XXXX the problem was that the answer that was given was false and not true at all and since i cant respond in a closed case im opening another as i was advised to do when i called in to speak to an agenct. i stated in the case that for 4 months straight i had sent letters challenging incorrect information on my credit report and all of those challenges were ignored ... no receipt, no investigation, or anything. experian responded and stated that i called in on XX/XX/XXXX regarding this and that they fixed the action. this is not true as i called in to experian on XX/XX/XXXX for a totally different matter all together. that issue was that for whatever reason my credit card through XXXX XXXX had been removed from my report and all of the credit history, credit limit and everything had been removed from experian causing my score to plummet XXXX points ... .i called in to ask what happened. this had nothing to do with the complaint i filed here stating and showing proof that for 4 months i have sent in written challenges regarding several different issues on my credit report... not only had they not acknowledged those, they never even bothered responding to any of them ... so the answer they gave was false... they have no acknowledged those letters that were sent out in XXXX, XXXX XXXX and XXXX so im filing another case